Routing Number: 282075028

Home Loans

Let us help you get settled into your new home! Finding the right home starts with the perfect home loan.1 At Arkansas Federal, we offer home loan options to meet the needs of every prospective homeowner. Whether you're a first-time buyer, upgrading, downsizing or refinancing - we're ready to help you do it.

That new paint smell is closer than you think - get pre-approved today!

  • Conventional Fixed- and Variable-Rate Home Loans
    • First-time home buyers could get up to 100% financing on variable-rate home loans!2 Not just 80% like many loans. It's a great way to get into that new home faster and with less money up front.
  • VA and FHA Home Loans3
    • The Department of Veterans Affairs (VA) and the Federal Housing Administration (FHA) offer loans that may make it easier for first-time home buyers to enjoy fixed-rate home loans such as more flexible qualifications and lower down payments than conventional loans. Up to 100% financing, $0 down, for qualified VA loan participants.
  • Rural Development Loans
  • Jumbo Home Loans

For more information, visit our mortgage resources and calculators.

1Some restrictions apply. Rates subject to credit approval. Offer and rates subject to change. Certain exclusions may apply.100% financing for first-time buyers only. First-time home buyers defined as not owning a home in the previous three years. 3Ask for details about eligibility, documentation and other requirements for VA and FHA loans. Membership with Arkansas Federal Credit Union is required for all offers.

30 Year Adjustable Rate Mortgage

Lock in Today’s Rate. Save tomorrow.

An adjustable-rate mortgage (ARM) is a great option for taking advantage of today’s low rates to get you in the home you want.  It works like a typical 30-year mortgage that resets once at either the 5-year mark or 10-year-mark, so you can save now and plan for later.

  • 5/30 ARM – Rate adjusts every 5 years
  • 10/30 ARM – Rate adjusts every 10 years
  • Lower initial monthly payments
  • Predictable payments
  • Low to no down payment
  • 60-day rate locks available

And Arkansas Federal services this loan in-house for the duration of the loan, giving you peace of mind that you will always receive the same friendly service you have come to expect from us.

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NOTE: A 1% origination fee applies to this loan. *The application of additional loan level pricing adjustments will be determined by various loan attributes to include but not limited to the loan-to-value (LTV) ratio, credit score, transaction type, property type, product type, occupancy, and subordinate financing. Available on purchases and refinances. The initial rate is fixed for 15 years (180 months). When the rate adjusts, your new rate will be the then current index (weekly average yield on US Treasury securities adjusted to a constant maturity of 10 years) plus a margin. The new rate cannot exceed five percent (5.000%) above the initial rate. A minimum loan amount of $40,000 is required for this program. 80% LTV and above are subject to private mortgage insurance (PMI). The maximum LTV and CLTV for condominiums is 80%. Loans with a loan-to-value (LTV) exceeding 97% have additional loan program requirements. The applicant is responsible for the following fees and costs at the time of closing. Origination fee, appraisal fee, tax service fee, title fees, transfer tax fees, credit report fee, flood cert fee, recording fee, survey if required and work verification fee, escrow reserves and interest due until first payment, other cost may be included due to program specific circumstances. This is not intended to be an all-inclusive list. Additional reserve requirements may apply. All above disclosures apply to non-Veteran’s Administration (VA) loans. VA loans have different guidelines and eligibility requirements. All rates and offers are in effect as of April 2017 and offered for a limited time and subject to change without notice. Other restrictions may apply. Contact Arkansas Federal for any applicable additional restrictions and details about your loan. To receive any advertised product, you must become a member of Arkansas Federal Credit Union.

Mortgage Options

Fixed-Rate Mortgage Types

These are the simplest types of loan. You can choose from 15-year, 20-year or 30-year fixed-rate mortgages. The equal monthly payments of principal and interest over a specified period of time will completely pay off an amortized loan. Interest on amortized loans is paid in arrears. Borrowers can shorten the loan periods by paying more principal with each payment.

Adjustable-Rate Mortgage

This type of mortgage has an introductory interest rate that lasts a set period of time and is able to adjust at a pre-determined number of years to reflect market conditions. The initial interest rates for adjustable rate mortgages are normally lower than fixed-rate mortgages, which would give you a lower monthly payment.

FHA Loans

FHA mortgages are insured by the government through mortgage insurance that is funded into the loan. First-time homebuyers are ideal candidates for this loan type because of the lower down payment requirements.

VA Loans

This is a government loan available to veterans who have served in the U.S. Armed Services. The main benefit to this loan type is that it does not require a down payment. The loan is guaranteed by the Department of Veteran Affairs, but funded by the lender.

Rural Development Loans

This is a private loan backed by the US Dept. of Agriculture, and targets home loans for rural communities.  It allows buyers to purchase a home without having to pay a down payment with the option of financing in closing costs.

Jumbo loans

These are for mortgage loans greater than $424,100. We offer a variety of jumbo loans to meet your needs.

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Refinancing a Home?

Refinancing your home is a great option if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation, or simply lowering your monthly payment. Reasons to refinance:

  • Lower interest rate and payment
  • Switch from an adjustable rate loan to a fixed rate loan
  • Change from one adjustable rate loan to another to lower your monthly payment
  • Reduce your interest rate and your monthly payment
  • Build equity faster by shortening the term of your loan

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Our Mortgage Team

Myrna Quintana

Myrna Quintana
(501) 533-2038
NMLS #786700
Northwest Arkansas

Myrna as a credit union employee for over 10 years, continues to make a difference in the lives of her members each and every day. Leaving mediocrity behind, she offers her borrower’s a unique home buying experience where they take worry-free steps to their new home. Through her service excellence, her borrowers rave about her warmth, dedication, and mortgage knowledge. She is one of the most respected Loan Originators in her market, loyal to both her work and family. She’s a pleasure to be around, loves traveling, crafting, and music.

Debbie Wilmarth

Debbie Wilmarth
(501) 533-2031
NMLS #681688
North Little Rock, Sherwood & Maumelle

Acquainting herself with mortgage more than 20 years ago, Debbie comes from a long background of mortgage experience. From VA, FHA, and RD to Conventional and In-House lending, Debbie has seen it all. Her experience offers borrowers, new and old, comfort and convenience as she seamlessly escorts her members to the closing table. As winner of many awards throughout her career, she consistently remains at the top of the list in mortgage production as her professional experience is enhanced by her dedication to her community and those she serves. As loyal as she is to her borrowers and their dreams, she is equally devoted to spending quality time with her friends and family while camping at the lake.

Evelyn Witham

Evelyn Witham
(501) 533-2035
NMLS #509490
Jacksonville, Lonoke & surrounding areas

Evelyn has over 15 years of mortgage lending experience with a well-rounded scope of a member’s overall financial life. She is able to identify the best available product to fit each borrowers specific needs. With her strong customer service experience she takes pride in establishing relationships with her borrowers to ensure an efficient and successful loan experience. Evelyn is a member of several local Chambers and the North Pulaski Board of Realtors Association. Outside of work Evelyn enjoys photography, hiking, boating and spending time with her family.

Tery Young

Tery Young
(501) 533-2226
NMLS #1394725
West Little Rock

When new borrowers step into the unknown realm of overwhelming mortgage information, they will find no better usher to walk them down the path to their first home, than Tery Young. With 17 years of experience in the financial industry, Tery is dedicated to creating a business culture where the mortgage experience is both delightful and welcomed. Known for her professionalism and attention to detail, she captivates her borrowers with her passion for service excellence and protecting their overall financial well-being. Tery shares her devotion with both business and community as she invests in living each business day to the fullest while treasuring travel and life with family.

Jan Anders

Jan Anders
(501) 533-2307
NMLS #424391
Cabot, Searcy, Beebe & surrounding areas

Led by her commit to excellence, Jan joined the mortgage industry more than 25 years ago. She offers a tailored experience as she shares her passion for helping new and seasoned buyers find the right loan options for their individual investments. She adds her expertise to our talented team with her detailed knowledge of the industry saving her borrowers both time and money. Jan devotes her time to educating her borrowers, allowing them to negotiate their purchases with confidence and savvy. Her dedication to her community, along with her calm presence and professionalism, lend itself to her unique style and love for people, boating, the lake, and all things equestrian.

Darla Ray

Darla Ray
(501) 533-2369
NMLS #1780197

Darla is the recipient of dozens of awards over the last 15 plus years in the home buying industry. She offers a constant standard of integrity, professionalism, and dedication. Taking pride in presenting her borrowers personalized product options and detailed customer service, allows her to help her borrowers reach their mortgage goals. Darla is a great team player as she helps each borrower find the right loan product for their individual needs. She surrounds herself with successful people and experiences that allow her to be one of the best in the home buying industry. She is equally dedicated to her family, community, and friends.

Brendacia Butler

Brendacia "Dacy" Butler
(501) 533-2028
NMLS #1656217
Little Rock

Dacy is a talented self-starter that offers her members 8 years of financial experience. Her professionalism walks people through the mortgage process with kindness and dedication offering comfort and confidence to the newest of home buyers. Dacy’s service excellence has been met with multiple customer service awards as she boasts an uncommon tenacity toward learning, growing, and being the best she can be. Dacy reaches out to her community as a girl scout leader and enjoys being a role model that encourages young women to approach life with integrity and commitment to others.

Kevin Sheredy

Kevin Sheredy
(501) 533-2399
NMLS #264549
Cabot, Ward, Austin, & surrounding areas

Highly regarded in the mortgage industry, Kevin has been dedicated to serving his community for more than 13 years. Day after day, Kevin devotes himself to building personal relationships based on trust and integrity, while equipping his borrowers to make the best financial decisions surrounding their mortgage. He is passionate about his faith, his family, and making a positive impact on others. Kevin is an avid golfer and was drafted by the St. Louis Cardinals in the 7th round out of UCLA in 1996. He played for 9 years including stops with the Arkansas Travelers and Memphis Redbirds locally.

LeAnne Gibson

LeAnne Gibson
(501) 533-2393
NMLS #1085770
Hot Springs, Arkadelphia, Malvern, and surrounding areas

With more than 15 years in the banking industry, LeAnne offers her borrowers award-winning service excellence by putting their financial needs first. LeAnne offers extraordinary attention to detail and is passionate about simplifying the mortgage process and protecting your investment. Allowing her to tailor loan options to meet your individual financial goals, will save you both time and money. LeAnne is native to Hot Springs and enjoys her children, traveling, and caring for her AFCU members and her community.

Megan Gifford Albin

Megan Gifford Albin
(501) 457-0252
NMLS #1421871
Fort Smith, Van Buren, and surrounding areas

Megan Gifford Albin offers her borrowers 15 years of financial experience. Members appreciate her warmth, professionalism, and genuine care as she treats everyone like family. Always going above and beyond, Megan offers comfort to borrowers as she strives to protect their investments with the right loan options and truly appreciates being a part of their home-buying dreams. Just like her family, she has a strong connection to her members and her community. She is constantly learning, growing, and experiencing life through travel, baseball, and fishing.

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Rate and APR based on a 740 credit score and an LTV of 80%.