The blog

Straight talk on home loans

Useful, jargon-free answers to the mortgage questions Arkansas home buyers ask us most.

How Much House Can You Really Afford in Conway?

A lender will tell you the most you can borrow. That number and the number you should spend are not the same thing. Here's how to find both.

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Loan Programs · 2 min read

FHA vs. Conventional: Which Loan Is Right for You?

FHA and conventional loans are the two most common choices for Arkansas buyers. Here's how they differ on down payment, credit, mortgage insurance, and total cost, and how to decide.

August 25, 2026

Loan Programs · 2 min read

The VA Home Loan: A Guide for Arkansas Veterans

Zero down, no monthly mortgage insurance, and competitive rates. Here's how the VA home loan works, who qualifies, and how to use it in Arkansas.

August 11, 2026

Loan Process · 2 min read

What to Expect on Closing Day

Closing day is the last step between you and the keys. Here's what happens, what to bring, and how to make sure nothing goes wrong in the final week.

July 28, 2026

Refinance · 2 min read

Should You Refinance? Run the Break-Even Test First

Refinancing only makes sense if you'll keep the loan long enough to recover the closing costs. Here's the simple break-even math, plus the situations where a refinance pays off even without a big rate drop.

July 14, 2026

Home Buying · 2 min read

Arkansas Down Payment Assistance, Explained

ADFA's StartSmart, Move-Up, and Down Payment Assistance programs can cover up to $15,000 of your down payment and closing costs. Here's who qualifies and how they fit together.

June 30, 2026

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