Mortgages

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Ready to buy your first home or trade-up to your dream home? We offer a full range of home loans, including first-time home buyers, Veterans, construction loans, fixed and adjustable rate options, conventional loan and jumbo mortgage programs. Get started and lock in your rate today!

Today’s Rates

Features & Benefits

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Low Down Payment

With low down payment options, we can help get you into your new home fast!

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$0 Application Fee

There’s no cost to apply and the application process is easy.

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Lock in Your Rate

Lock in your low rate up to 90 days before closing.Once your loan is approved, your rate can be locked up to 90 days.

Save Big on Closing Costs 

For a limited time, get up to $2,500 in closing cost discounts!This offer is for eligible fixed-rate and ARM mortgage applications submitted to Arkansas Federal Mortgage on or after July 1, 2022, and before December 31, 2022, in Arkansas and Oklahoma. Members can receive the closing discount upon closing with Arkansas Federal Mortgage, subject to qualification and approval. The closing discount is based on the qualifying home purchase or refinance amount after submitting a mortgage application. For loans $0 – $199,999, the closing discount will be $500. For loans $200,000 – $699,999, the closing discount will be $1,000. For loan amounts of $700,000 or more, the closing discount will be $2,500. Government loans, such as VA and FHA loans, are not eligible for the closing discount. The seller and/or other discounts must be reduced if the loan has reached the maximum allowable discount limit per the loan product. Contact Arkansas Federal Mortgage for more details. Membership with Arkansas Federal Credit Union is required for this offer.  Act fast and put those savings towards what matters—making your house into a home.

Loan AmountClosing DiscountThis offer is for eligible fixed-rate and ARM mortgage applications submitted to Arkansas Federal Mortgage on or after July 1, 2022, and before December 31, 2022, in Arkansas and Oklahoma. Members can receive the closing discount upon closing with Arkansas Federal Mortgage, subject to qualification and approval. The closing discount is based on the qualifying home purchase or refinance amount after submitting a mortgage application. For loans $0 – $199,999, the closing discount will be $500. For loans $200,000 – $699,999, the closing discount will be $1,000. For loan amounts of $700,000 or more, the closing discount will be $2,500. Government loans, such as VA and FHA loans, are not eligible for the closing discount. The seller and/or other discounts must be reduced if the loan has reached the maximum allowable discount limit per the loan product. Contact Arkansas Federal Mortgage for more details. Membership with Arkansas Federal Credit Union is required for this offer.
$0 – $199,999$500
$200,000 – $699,999$1,000
$700,000+$2,500

Trusted, Local Lending from Start to Finish

We are one of the largest and most trusted mortgage lenders in Arkansas. Plus, with local lending and servicing from start to finish, we are with you every step of the way.

Mortgage Loans

Conventional Loans

Our most popular type of mortgage has a variety of features, including fixed rates and a down payment as low as 3%!

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VA Loans

Enjoy exclusive military benefits with less restrictive credit guidelines and $0 down payment options.

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USDA Loans

For homes in an area designated as rural by the U.S. Department of Agriculture, a USDA loan may be the way to go. 

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Construction Loans

Planning to build your dream home? Make it happen with our one-time-closing construction loan. Get the money to build your home and finance it. 

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Jumbo Loans

Need a loan that exceeds the current conforming limit? A jumbo loan can help you make your move. 

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FHA Loans

Enjoy flexible credit restrictions and multiple down payment options—a popular choice for first-time buyers. 

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Manufactured Home Loans

Whether you’re purchasing your first home or investing in a vacation property, a manufactured home is a great choice, especially around our lakes and rural communities.

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Ready to get pre-qualified?

You can get pre-qualified online! Plus, there’s no cost to apply.
Have questions? Call us at 800.456.3000 or visit your local branch.