Mortgage loans in Arkansas
Justin Mackler is licensed to originate home loans in Arkansas. Here is how a Arkansas loan works with him, which programs are available, and a few state rules worth knowing.
How a Arkansas loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Arkansas title or closing professional handle the appraisal and title work.
- Closings take place in Arkansas with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Arkansas
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
ADFA's StartSmart (first-time buyer) and Move-Up first mortgages can be paired with ADFA down payment assistance, subject to eligibility and use of an approved lender. Arkansas Development Finance Authority (ADFA)
Arkansas details to know
- Arkansas levies a real property transfer tax of $3.30 per $1,000 of actual consideration on deeds for transactions over $100. Source: Arkansas DFA: Real Property Transfer Tax
- Arkansas homeowners can claim a homestead property tax credit by applying with the county assessor. Only one homestead credit may be claimed per year, and the state has authorized an increase in the credit beginning with 2026 tax bills. Source: Arkansas DFA: Property Tax Relief
- ADFA down payment assistance is a second mortgage that is available only with an ADFA StartSmart or Move-Up first mortgage. Source: ADFA: Down Payment Assistance
- For 2026, every county in Arkansas uses FHFA's baseline one-unit conforming loan limit of $832,750, with no high-cost county adjustments. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Arkansas purchase or refinance and he will follow up with real options.
Arkansas mortgage questions
Can Justin Mackler help with a mortgage in Arkansas?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Arkansas through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Arkansas?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Arkansas with a local title company, closing attorney or settlement agent, as state rules require.
Is there a transfer tax when buying a home in Arkansas?
Yes. Arkansas charges a real property transfer tax of $3.30 per $1,000 of the sale price on deeds for transactions over $100. Who pays it is usually set in the purchase contract.
How do I get the Arkansas homestead tax credit?
You apply with your county assessor's office once the home is your principal residence. Only one homestead credit can be claimed per year.
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Share your goal, price or loan amount, credit range, timeline, and your Arkansas property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.