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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Arkansas
  4. Little Rock
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Little Rock, AR

How much house can you afford in Little Rock? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Little Rock

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Bank of Little Rock Mortgage

Bank of Little Rock Mortgage emphasizes a personalized approach to home financing, helping clients find loan options tailored to their needs. They offer a range of services from home purchase loans to refinancing, supported by a team that guides customers through each step. Some clients note the loan transfer to a larger lender after closing.

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(501) 219-9100
Open 8:00 AM - 5:00 PM
15909 Cantrell Rd, Little Rock, AR 72223
2

Primary Residential Mortgage, Inc.

Known for providing licensed Arkansas originators on every file, ARLoanSource offers a range of mortgage programs including USDA, VA, FHA, Conventional, Jumbo, and refinancing options. Customers appreciate the team’s thorough guidance and clear explanations throughout the process, though some note occasional last-minute timing challenges.

Services & Prices
Loan Comparison Quoted per loan
Local Appraiser Recommendations $50 - $100
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(501) 225-5626
Open 9:00 AM - 5:00 PM
10121 N Rodney Parham Rd ste c &d, Little Rock, AR 72227
General Services
Mortgage Services
3

Wonder State Mortgage and Reverse Mortgages of Arkansas, Mortgage Broker

Wonder State Mortgage focuses on mortgage lending with an emphasis on reverse mortgages, aiming to make the loan process clear and client-centered. They assist with home purchases, refinancing, and offer educational resources to help borrowers understand their options. Customers appreciate the team's responsiveness and personalized guidance throughout the process.

Services & Prices
Home Purchase Mortgage Quoted per loan
Reverse Mortgage Quoted per loan
Mortgage Refinancing Quoted per loan
HELOC (Home Equity Line of Credit) Quoted per loan
View Profile
(501) 690-7283
Open 8:30 AM - 5:00 PM
650 S Shackleford Rd Ste 400, Little Rock, AR 72211
General Services
Mortgage Services
4

Steven Reynolds: Eagle Bank Mortgage

Eagle Bank Mortgage offers a range of home loan services backed by a team focused on guiding clients through the mortgage process. Customers appreciate clear communication and support that can make buying a home less stressful, though some have noted occasional delays and inconsistent follow-up during busy periods. The bank combines mortgage lending with broader financial products and… more...

Eagle Bank Mortgage offers a range of home loan services backed by a team focused on guiding clients through the mortgage process. Customers appreciate clear communication and support that can make buying a home less stressful, though some have noted occasional delays and inconsistent follow-up during busy periods. The bank combines mortgage lending with broader financial products and community-oriented service.

Services & Prices
Prequalification Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
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(501) 514-3776
Open 9:00 AM - 5:00 PM
650 S Shackleford Rd #151, Little Rock, AR 72211
General Services
Home Loan Services
5

Rabih Aboukheir - Mortgage Loan Officer - Verity Mortgage

Verity Mortgage focuses on personalized home financing solutions that simplify the mortgage process from purchase to refinancing and renovation loans. The team guides clients with clear explanations and responsive communication, helping make complex steps easier to navigate. Some clients note the fast closing times and appreciate the supportive, steady guidance throughout.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(501) 747-4657
Open 9:00 AM - 5:00 PM
1501 N University Ave Ste 530, Little Rock, AR 72207
General Services
Mortgage Lending
Where they are 10 on the map Click a pin for the profile and directions
6

Scott Taylor Revolution Mortgage

Revolution Mortgage focuses on personalized loan strategies and clear communication to guide clients smoothly from application to closing. They specialize in purchase loans for first-time buyers and new constructions, refinance options, and specialty loans for unique financial situations. Customers appreciate the team’s professionalism and support, though some note communication can occasionally… more...

Revolution Mortgage focuses on personalized loan strategies and clear communication to guide clients smoothly from application to closing. They specialize in purchase loans for first-time buyers and new constructions, refinance options, and specialty loans for unique financial situations. Customers appreciate the team’s professionalism and support, though some note communication can occasionally be inconsistent.

Services & Prices
Residential Mortgage Quoted per loan
Refinancing Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
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(501) 529-9061
Open 9:00 AM - 5:00 PM
2024 Arkansas Valley Dr Bldg 2 Suite 208, Little Rock, AR 72212
General Services
Mortgage Lending
7

Guild Mortgage - Miranda Dailey

Guild Mortgage offers a broad range of mortgage options, including conventional, FHA, VA, and USDA loans, with programs designed for first-time buyers and refinancing needs. The team is known for clear communication and guiding clients smoothly through each step, though some may find the process takes time depending on individual circumstances.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Pre-Approval Services Quoted per loan
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(501) 499-3113
Open 9:00 AM - 5:00 PM
1501 Main St Ste 400, Little Rock, AR 72202
General Services
Mortgage Financing
8

Zack Lovett | Loan Officer | Primary Residential Mortgage, Inc.

Primary Residential Mortgage, Inc. focuses on personalized mortgage lending, offering a variety of loan options to fit different financial situations and homeownership goals. The team provides clear communication and helpful tools like a mortgage calculator to guide clients through the process. Some customers note the importance of staying proactive with follow-ups during the loan progress.

Services & Prices
Credit Score Analysis Quoted per loan
View Profile
(501) 225-5626
Open 00:00 - 23:59
10121 N Rodney Parham Rd Ste. C & D, Little Rock, AR 72227
General Services
Mortgage Services
9

Gabriel Womack

Specializing in mortgage lending with a focus on clear communication and responsiveness, Gabriel Womack’s team helps clients navigate complex home financing situations calmly and professionally. They assist with loan options and closing cost strategies, often noted for their friendly and proactive approach during stressful moments. Some clients find the process slow but appreciate the… more...

Specializing in mortgage lending with a focus on clear communication and responsiveness, Gabriel Womack’s team helps clients navigate complex home financing situations calmly and professionally. They assist with loan options and closing cost strategies, often noted for their friendly and proactive approach during stressful moments. Some clients find the process slow but appreciate the thoroughness.

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(501) 613-5942
Open 8:00 AM - 5:00 PM
425 W Capitol Ave Ste 232, Little Rock, AR 72201
10

Jessica Hall, Mortgage Loan Officer | Arkansas Federal Mortgage

Arkansas Federal Mortgage stands out for its member-owned approach, returning profits through better rates and lower fees. The team offers a full range of mortgage services, including construction and refinancing loans, with clear communication and personalized support. Customers appreciate the attentive guidance and responsiveness throughout the lending process.

Services & Prices
Mortgage Acquisition Quoted per loan
Mortgage Refinance Quoted per loan
Construction Loan Assistance Quoted per loan
View Profile
(501) 982-1000
Open 8:30 AM - 5:00 PM
1221 S Shackleford Rd, Little Rock, AR 72211
General Services
Mortgage Services

Little Rock Mortgage Statistics

Home-purchase lending in Pulaski County and home costs in Little Rock, AR (latest HMDA and Census data)

Lenders made 4,951 home-purchase loans in Pulaski County in 2025 (average about $273,000) and denied 746 — 13% of decided applications, compared with 18% across Arkansas, according to federal mortgage data (HMDA, CFPB). In Little Rock, the median home is worth $236,400 and 62% of owners have a mortgage, paying a median $1,646 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
4,951▲ 7%4,626 in 2024
Denial rate
13%AR 18%
Median home value
$236,400AR $188,000
Monthly cost with a mortgage
$1,646median · AR $1,345
Refinance loans made (Pulaski County, 2025)
2,138 · 1,527 in 2024
Home-improvement loans made (2025)
691
Average home-purchase loan
$273,000 (AR $268,000)
Owners with a mortgage
62% · 25% of them spend 30%+ of income on housing
Median household income
$63,003 (AR $60,773)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Pulaski County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Little Rock mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Arkansas rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.54% of the home's value a year, the Arkansas average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work in Little Rock?
The calculator estimates the highest home price you can afford using your income, debts, down payment, and interest rate. It considers housing costs at 31% of income and total debts at 43%.
How accurate is a mortgage affordability calculator?
The calculator provides an estimate. A lender's pre-approval is needed for accuracy, as they verify income, debts, credit, and down payment.
What is the minimum down payment for a mortgage in Arkansas?
First-time buyers can put down 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the house price you can afford. Rates can change weekly, affecting affordability.
How does debt impact my mortgage qualification?
Total monthly debt payments, including housing, should not exceed 43% of your income. High debts can reduce the mortgage amount you qualify for.
What is the property tax rate in Arkansas?
Arkansas's property tax is about 0.54% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying your income, debts, and credit, giving a more accurate borrowing limit. Pre-qualification is a preliminary estimate without verification.
Do I need private mortgage insurance (PMI) in Little Rock?
If your down payment is under 20% on a conventional loan, PMI is required. It can be removed once the loan balance is below 80% of the home's value.
How much house can I afford on a $100k salary in Arkansas?
Affordability depends on your debts, down payment, and interest rate. Generally, housing costs should not exceed 31% of your income, with total debts at 43%.
What does a mortgage broker do?
A mortgage broker helps find and negotiate loan terms with lenders, matching borrowers with suitable mortgage products.

General information, not financial advice — consult a qualified professional.