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Arkansas Mortgage Lender

The lender your realtor wishes you had called first

Pride Lending is an Arkansas mortgage lender serving buyers across the state. Offering FHA, VA, conventional, USDA, and portfolio loans for first-time buyers, self-employed borrowers, LGBTQ+ buyers, and anyone the mortgage industry has overlooked.
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Why Borrowers Choose Pride Lending

Fast Pre-Approvals

In a market like Arkansas’s, where well-priced homes go under contract in days, knowing your number before you start touring is not just helpful. It is essential. We move as fast as possible on our end.
1 Hour

That's How Quick We Can Pre-Approve You

Clear Communication, Start to Finish

You will always know exactly where your loan stands. No unanswered calls, no surprises three days before closing. You will hear from us before you have to chase us down.
No

Surprises at Closing

On-Time Closings

Your closing date is a commitment, not an estimate. We build our process around making sure that date holds, because we know what it costs when it does not.
100%

On-Time Closing Goal

A Lender Built for Everyone Who Has Been Overlooked

We serve LGBTQ+ buyers, BIPOC communities, first-time homebuyers, and anyone who has felt like homeownership was not meant for them. You will have a loan officer who actually understands your situation.
Everyone

Is Welcome Here

Meet Your Arkansas Loan Officer

Sean Hill

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What Our Borrowers Say

Working with Sean Hill at Pride Lending was one of the best parts of my home-buying experience. We had many questions and concerns throughout the process, but Sean was patient, knowledgeable, and always willing to help. He took the time to explain every step clearly, making sure we understood our options and felt confident in decisions.

Communication was excellent from start to finish. We always received prompt responses, and we were kept informed throughout the loan process. Sean’s professionalism and attention to detail helped make what could have been a stressful experience feel smooth and manageable. What stood out even more was hearing positive feedback from other professionals involved in the transaction. Both my real estate agent and title agent spoke highly of Sean, commenting on how responsive, organized, and how great he is to work with. It was reassuring to know that the people coordinating behind the scenes had such confidence in his abilities and professionalism.

Most importantly, my lender genuinely cared about helping us achieve our goal of homeownership. He worked hard to find the best financing solution for my situation and ensured everything stayed on track for a timely closing. Thanks to his dedication and support, my family and I were able to purchase our dream home.

We highly recommend Sean and the Pride Lending team to anyone looking to buy a home. Their expertise, responsiveness, and commitment to their clients made all the difference, and my family and I are incredibly grateful for the positive experience.

– Justin M.

The Arkansas Housing Market Right Now

Arkansas’s housing market remains one of the most stable in the Midwest. Inventory is slowly improving, prices have held steady without the extreme volatility seen in coastal markets, and the state continues to offer some of the most accessible paths to homeownership in the country, especially for first-time buyers.
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Northwest Arkansas
Median Home Price
$370,000
Avg. Days on Market
40 days
Homeownership Rate
62%
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Click a region to explore market data.

See What Your Monthly Payment Could Look Like in Arkansas

How To Get Started

Start My Application
01
Get Pre-Approved Online
Fill out a short application and we will get to work on your file right away.
02
Your Loan Officer Reaches Out
We review your file and contact you. We will walk you through your options and answer every question.
03
Find Your Home and Close on Time
We keep the process moving so your closing date is the date you actually close.

Home Loan Options in Arkansas

Conventional Loans

Good credit, stable income, more down. Conventional loans give Arkansas buyers flexibility on property type and loan structure with no mortgage insurance required.

FHA Loans

A top choice for first-time Arkansas buyers. Minimum 580 credit score, as little as 3.5 percent down, and 2026 loan limits starting at $541,287 for most counties.

VA Home Loans

No down payment, no private mortgage insurance, and competitive rates. One of the strongest loan products available, reserved for those who have served.

USDA Loans

Zero down payment for buyers purchasing in eligible rural and suburban Arkansas areas. If you are buying outside the major metros, this is worth asking about.

Portfolio Loans/DSCR

For self-employed borrowers and investors. Qualification is based on the asset or rental income rather than personal tax returns or W-2 documentation.
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Down Payment Assistance Programs in Arkansas

The Arkansas Development Finance Authority’s primary first-time homebuyer program. Provides 30-year fixed-rate mortgages at approximately 1% below current market rates, available with conventional, FHA, VA, and USDA loans. Open to first-time buyers, veterans, and spouses of veterans statewide. Repeat buyers in 30 targeted counties may also qualify.
Paired with a StartSmart or Move-Up first mortgage, this program provides between $1,000 and $15,000 toward down payment and closing costs. Structured as a 10-year second mortgage with no money required upfront beyond what you put toward the purchase.
For low-income buyers, this program provides a forgivable soft second mortgage of up to 10% of the purchase price, capped at $10,000. Funds can cover down payment and closing costs and are forgiven over the occupancy period.
For buyers purchasing within the city of Little Rock, this program provides up to $10,000 for low-to-moderate income first-time buyers. Forgiven over the occupancy period.

Helpful Insights for Arkansas Homebuyers

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Arkansas Mortgage Questions, Answered

It depends on the loan type. FHA loans allow a minimum score of 580 with 3.5% down. Conventional loans typically require 620 or higher. ADFA programs generally require a minimum of 640. If you are not sure where your credit stands, a conversation with your loan officer will tell you exactly where you are and what needs to happen before you apply.
It depends on the loan. FHA requires as little as 3.5%. Conventional can start at 3% for qualified buyers. VA and USDA loans require zero down for eligible borrowers. With Arkansas’s statewide median around $270,000, a 3.5% FHA down payment runs about $9,450. ADFA’s programs can cover a meaningful portion of that for qualifying buyers.
Yes. The ADFA StartSmart program pairs below-market-rate mortgages with down payment assistance of up to $15,000. The Arkansas Dream Downpayment Initiative provides up to $10,000 in forgivable assistance for lower-income buyers. Little Rock also has a local program for buyers within the city. We will find the ones that apply to you.
Yes, and in markets like Northwest Arkansas where homes are moving in 30 to 45 days, you should. A pre-approval letter shows sellers you are ready and your financing is already in motion. It also gives you a real budget before you start touring. You can start your pre-approval right here.
For 2026, the FHA loan limit for most Arkansas counties is $524,225 for a single-family home. Some counties may be at the national floor. Your limit depends on the county where you are buying, and Sean can confirm the exact number for wherever you are looking.
Sean Hill knows this state, its markets, and its programs from the ground up. He grew up here, built his career in the real estate industry here, and understands what buyers in Northwest Arkansas, Little Rock, and across the state are navigating. Pride Lending was built for buyers who have not always felt welcome in this industry, and that does not change depending on the state. You are getting a loan officer who is invested in your outcome, not just your file.
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