Capital Home Mortgage Arkansas

Arkansas VA Home Loans

VA Mortgage Lender Arkansas

VA Home Loans in Arkansas

Arkansas VA Home Loans are home mortgages backed by the U.S. Department of Veterans Affairs.  Arkansas VA Home Loans are intended to assist qualifying Arkansas veterans:  active-duty service personnel, retired, disabled and surviving spouses in becoming homeowners.  VA home loans are offered by private lenders.  The VA guarantees a portion of the loan, allowing the lender to provide the borrower with more advantageous terms: no down payment requirement, competitive interest rates, and limited closing costs.

Arkansas VA Home loans can be used for any of the following: purchasing, building, improving, or refinancing a home.  Borrowers who meet the criteria for eligibility still need to have the minimum credit and income requirement necessary for the loan amount they are requesting.

Qualification Requirements of an Arkansas VA Home Loan

Multiple active duty service requirements must be met to qualify for a VA home loan, and these requirements vary depending on the length of time served.

If you served between August 2, 1990, and to present, you must have either: 

  • At least 24 consecutive months of service, the entire period (of at least 90 days) for which you were called or ordered to active duty, or you must have served for the whole time you were called or ordered to active duty;
  • At least ninety days if you were discharged due to a reduction in force or a hardship; 
  • At least ninety days if you were discharged due to a hardship or a reduction in force. Less than ninety days if you were discharged due to a service-connected disability.

If you served between August 8, 1980, and August 1, 1990, you have met the minimum active-duty service requirement if you served for:

  • At least 24 months in a row, or; 
  • The full-time you were called to active duty (at least 181 days) or;
  • At least 181 days if you were let go because of a hardship or a cut in force. Less than 181 days if you were let go because of a service-related disability.

For complete eligibility requirements about VA home loans, visit the VA housing assistance page. 

Qualifications for a VA-backed Mortgage Loan include good credit, regular income, and a current Certificate of Eligibility (COE). Moreover, one must be the primary occupant of the dwelling.

For a home to be eligible for an Arkansas VA loan, it must meet the VA Minimum Property Requirements (MPRs) set forth by the Department of Veterans Affairs. The property’s safety and condition depend on your compliance with these regulations.

Apply For An Arkansas VA Home Loan

At Capital Home Mortgage Arkansas, we aim to simplify the application process. We handle your application from beginning to end and assist you in locating the most suitable loan program for your needs. Direct mortgage lending allows us to provide competitive interest rates and low fees. Call us at (501) 588-7399 and get your Arkansas VA loan today.

Why Arkansas HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Arkansas Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Arkansas VA Purchase Loans

VA Purchase Mortgage Lender

Proudly Serving Active Duty, Retired and Disabled Veterans obtain homeownership.  Call today to speak to a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

Arkansas VA Refinance

VA Refinance Mortgage Lender

Proudly Serving Active Duty, Retired and Disabled Veterans to Save Money.  Call today to speak to a VA loan officer.

  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification
  • Cash-Out or Loan Conversion
  • Full Documentation
  • Appraisal Required
  • Income Verification Required

Arkansas VA Ellgibility

  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability
Arkansas Mortgage Programs

Arkansas Home Purchase loans

Looking to Purchase an Arkansas Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Arkansas Renovation Home Loans

Looking to Rehab an Arkansas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Arkansas FHA Home loans

Great 1st Time Arkansas Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Arkansas va Home Loans

100% Financing for Arkansas Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Arkansas Conventional Home loans

Flexibility for Arkansas Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Arkansas Jumbo Home Loans

Arkansas Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Arkansas USDA Home loans

100% Rural Arkansas Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Arkansas Native american Home Loans

Arkansas Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Arkansas Manufactured Home loans

Great Alternative Arkansas Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Arkansas Reverse Mortgage Loans

Your Arkansas Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Arkansas Non QM Home loans

Making Arkansas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Arkansas One Time Close Home Loans

Build Your Arkansas Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Arkansas Refinance Mortgage loans

Arkansas Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Arkansas Cashout Mortgage Loans

Arkansas Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Arkansas Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

Arkansas Mortgage Company Reviews

Arkansas Cities

Little Rock Home Loans

Fort Smith Home Loans

Fayetteville Home Loans

Springdale Home Loans

Jonesboro Home Loans

Rogers Home Loans

Conway Home Loans

North Little rock Home Loans

Bentonville Home Loans

State Specific Mortgage Information
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