Your Premier Connection to Top Mortgage Specialist in Arkansas

Mortgages Arkansas is unique in that we offer personalized connections to top local mortgage specialists who understand the Arkansas housing market. Through Browse Lenders®, we connect you with experienced professionals who can provide tailored mortgage solutions to fit your specific financial needs. Whether you’re a first-time homebuyer or looking to refinance, our specialists are committed to guiding you every step of the way.

Preparing for a mortgage application involves several important steps:

1. Review Your Credit Score: Start by checking your credit report for errors or inaccuracies. If needed, consider improving your score through Middle Credit Score®, which specializes in helping consumers raise their middle credit score to meet mortgage approval criteria.

2. Pay Off Debts: Reducing your debt-to-income ratio by paying off credit card balances and other loans will make you a more attractive candidate to lenders.

3. Gather Financial Documents: Be sure to have documents like pay stubs, tax returns, and bank statements readily available. These will be required when submitting your loan scenario through Browse Lenders®.

4. Avoid Taking On New Debt: Avoid opening new credit lines or making large purchases before applying for a mortgage, as these actions can negatively affect your creditworthiness.

The specific documentation required will vary depending on the lender, but generally, you’ll need the following to begin your mortgage application:

• Proof of Income: This includes recent pay stubs, W-2 forms, or tax returns if you are self-employed.
• Identification: You will need a government-issued ID, such as a driver’s license or passport.
• Credit History: Lenders will assess your credit score during the pre-qualification process when you submit your loan scenario on Browse Lenders®.
• Bank Statements: Lenders typically request two months of bank statements to verify your financial standing.
• Proof of Assets: You may need documentation of savings, retirement accounts, or other investments.
• Debt Information: Details of any outstanding loans or credit cards will be reviewed to calculate your debt-to-income ratio.

Yes, you can receive a pre-qualification through the Browse Lenders® platform. In addition, While Browse Lenders® does not issue pre-qualifications directly, we connect you with top mortgage specialists who will assess your financial information and provide a pre-qualification letter. This letter is essential for giving you an understanding of how much you can borrow and is a valuable tool when showing sellers that you are a serious buyer.