We Don’t Just Close Loans.
We Open Doors.
Meet the Northwest Arkansas team at First Colony Mortgage — your neighbors, with 30+ years of know-how, opening the door to your next home with clarity, honesty, and heart.
Backed by First Colony. Powered by Neighbors.
Connecting communities since 1984.
Our Northwest Arkansas team pairs the muscle of a national lender with the heart of someone who lives right down the street — the same faces at your closing table and the school pickup line. We explain every step in plain language and treat your loan like it’s our own.
Experience You Can Build On
30+ Years of Experience
Our most senior officer has guided buyers since 1989. That depth across the team means fewer surprises and smarter solutions for your loan.
A Program for Every Scenario
First-time buyers, move-up buyers, self-employed, and investors — conventional, government, jumbo, construction, and specialty Non-QM options.
Clear, Human Guidance
You’ll always reach a real person who explains every step in plain language, from your first question through closing day.
Local Expertise
Deep knowledge of Northwest Arkansas neighborhoods, builders, and agents — paired with national lending reach.
Multi-State Licensing
Rooted in Northwest Arkansas and licensed to help buyers across many states. Ask about your area and we’ll confirm availability.
Online or In Person
A secure digital application and clear communication make it easy to work with us from anywhere — or in person at our Rogers office.
What Our Clients Say
Hear from the neighbors we’ve helped buy, build, and refinance. Our live Google rating and reviews load below once the site is published to your domain.
Your new front door is closer than you think.
Tell us about your goals — we’ll help you find the right loan and the right next step.
Get Pre-ApprovedYour Northwest Arkansas Loan Officers
Tap any team member to view their full profile, specialties, and direct contact info. Each officer is licensed and ready to guide you from pre-approval to closing day, near or far.
Find the Right Loan for You
Pick a path below to see the options that fit — then apply with the loan officer of your choice.
Never owned a home (or not in the last few years)? You may qualify for first-time buyer programs with low down payments, reduced fees, and access to grants or down payment assistance.
- Down payments as low as 0–3.5%
- Down payment & closing-cost help available
- Forgiving credit guidelines
- We map out everything you qualify for
The traditional mortgage that follows Fannie Mae and Freddie Mac guidelines. A great fit for buyers with solid credit who want flexible terms.
- As little as 3% down on a primary home
- Mortgage insurance can drop off near 20% equity
- Lower mortgage insurance cost than FHA
- Works for primary, second home, and investment properties
A government-insured loan that lets you buy with just 3.5% down and more forgiving credit guidelines — a popular path for first-time buyers.
- Just 3.5% down
- Flexible qualifying with higher allowable debt ratios
- Gift funds allowed toward the down payment
- Includes up-front and monthly mortgage insurance
- No-cost “streamline” refinance available later
Earned through your service: eligible veterans, active-duty members, and some surviving spouses can buy with no money down and no monthly mortgage insurance.
- $0 down for eligible borrowers
- No monthly mortgage insurance
- One-time VA funding fee (can be financed)
- Streamline (IRRRL) refinance available
- We help with your Certificate of Eligibility
A USDA-backed loan that helps low-to-moderate-income buyers purchase in eligible rural and many suburban areas with no down payment.
- $0 down in eligible areas
- Financing up to about 103.5% of value
- Low monthly mortgage insurance
- Income and property-location limits apply
- We’ll check your address in seconds
When a home’s price is above standard conforming limits, a jumbo loan bridges the gap with competitive terms for move-up and luxury buyers.
- For amounts above county conforming limits
- Competitive fixed and adjustable options
- Stronger credit and reserve guidelines
- Primary, second home, and some investment uses
A range of grants, forgivable loans, and assistance programs can help cover part — sometimes all — of your down payment and closing costs. Programs change often; we track what fits you.
- Help with down payment and/or closing costs
- Grant and forgivable-loan options
- Eligibility based on income, area, and buyer status
- We match you with what you qualify for
Non-Qualified Mortgages use alternative ways to document income and qualify — opening doors when a conventional loan says no.
- Flexible income documentation
- Built for self-employed, investors, and unique situations
- Often a yes when conventional says no
Qualify using 12–24 months of business or personal bank deposits instead of tax returns.
- Uses bank deposits, not tax returns
- Ideal for business owners and 1099 earners
- Reflects your true cash flow
Convert your liquid assets — savings, investments, and retirement — into qualifying income.
- Great for retirees and high-net-worth buyers
- Qualify without traditional pay stubs
- Uses your assets as income
Debt-Service Coverage Ratio loans qualify an investment property on the rental income it generates — not your personal income.
- Qualify on the property’s cash flow
- No personal income documentation
- Scale your portfolio faster
Construction financing covers the cost of building, then converts to your permanent mortgage — often a single one-time close so you only sign once.
- Covers construction, then becomes your mortgage
- One-time-close options available
- We coordinate draws with your builder
Secure the right piece of property now and build when you’re ready, structured for a smooth move to a construction loan later.
- Buy the lot now, build on your timeline
- Its own terms and down-payment guidelines
- Sets you up for construction financing
Finance a home’s purchase (or refinance) plus the cost of improvements in one loan, based on the home’s after-renovation value.
- One loan for purchase and remodel
- Based on the after-renovation value
- Turn a fixer-upper into your dream home
A home equity line of credit gives you flexible, revolving access to your equity — borrow what you need, when you need it.
- Flexible, reusable line of credit
- Great for renovations, debt, or big expenses
- We explain draw and repayment clearly
Program details shown are general and for educational purposes only — they are not an offer or commitment to lend or a complete statement of terms. Down payments, interest rates, Annual Percentage Rate (APR), repayment terms, mortgage insurance, and program availability depend on your individual situation, the property, and your state, and are subject to change and to credit and underwriting approval. Talk with a licensed loan officer for terms specific to you.
Keep Your Home — Improve Your Mortgage
Love your home but wonder if your loan could work harder for your family? Refinancing can lower your rate and payment, free up cash for what matters most, or drop mortgage insurance — and we’ll always tell you honestly when staying put is the smarter move.
Talk with a loan officerLower Your Rate & Payment
Trade a higher rate for a lower one to reduce your monthly payment and total interest over time.
Cash Out Your Equity
Put your home’s equity to work for renovations, debt consolidation, or other big goals.
Drop Mortgage Insurance
Built enough equity? Refinancing may let you remove monthly mortgage insurance.
Pay Off Sooner
Shorten your term — say from 30 to 15 years — to own your home faster.
If you already have an FHA loan, a streamline refinance can lower your rate with reduced paperwork and often no new appraisal.
- Simplified documentation
- Often no appraisal required
- Lower your rate and payment
The VA Interest Rate Reduction Refinance Loan helps VA homeowners lower their rate with minimal documentation and, in most cases, no new appraisal.
- Minimal paperwork
- Usually no new appraisal
- No monthly mortgage insurance
Replace your current loan with a new rate or term to reduce your payment or pay your home off faster.
- Lower your rate or monthly payment
- Shorten or extend your term
- Drop mortgage insurance with enough equity
Refinance for more than you owe and take the difference in cash — for renovations, debt, or other needs.
- Access your built-up equity
- Fund renovations or consolidate debt
- One new loan and payment
Combine a first and second mortgage (or other balances) into one streamlined loan and payment.
- Combine multiple balances
- One simpler monthly payment
- Potentially lower overall cost
From First Call to Keys in Hand
A clear, six-step roadmap so you always know exactly what’s next — with a real person beside you the whole way.
Pre-Qualification
We review your income, debts, and credit, then match you with the loan program that fits — so you know your budget and can shop with confidence.
Application
Usually right after your offer is accepted. You complete the application and provide documents (pay stubs, W-2s, bank statements), and sign your initial disclosures showing the loan amount, rate, and fees.
Processing
Your processor orders the appraisal, title work, and homeowners insurance, and verifies the details on your application. The complete package then heads to underwriting.
Underwriting
The underwriter checks everything against the loan guidelines, including the appraisal and title, and may request a few final items. Once it all checks out, your loan is approved.
Closing
You sign the final documents that spell out your loan terms, bring your down payment, and a licensed title officer facilitates the signing.
Funding
After signing, the loan funds, the money is sent, and the sale is recorded with the county. The keys are yours — welcome home.
Estimate Before You Apply
Friendly estimates to help you plan. When you're ready for real numbers, our team is one call away.
Choose your loan type, fill in the details, and hit Calculate.
Enter your income and debts to see an estimated budget.
Tools to Grow Your Business
Resources to help you market listings, serve buyers faster, and close with confidence. Built for our agent partners — request anything below and we’ll get it to you.
Co-Branded Flyers & Banners
Listing flyers, open-house sheets, and social graphics co-branded with you and your loan officer.
Request materials →Today’s Rates & Scenarios
Current rate scenarios and monthly-payment breakdowns for your listings and buyers — sent same day.
Get today’s rates →Fast Pre-Approvals
Strengthen your buyers’ offers with quick, dependable pre-approvals that help you win.
Send a buyer over →Listing Payment Sheets
A clean “monthly cost” one-sheet for any listing price to share with prospective buyers.
Request a sheet →Market & Rate Updates
Plain-English market and rate updates you can pass straight along to your clients.
Subscribe →Co-Host a Workshop
Partner with us on first-time buyer and homebuyer-education events in your market.
Let’s plan one →Mortgage & Home-Buying Basics
Straight answers to the questions we hear most. Have one that isn't here? Reach out to any officer on our team.
A pre-qualification is a quick estimate based on information you share. A pre-approval is stronger: we review your income, assets, and credit and issue a letter showing what you can borrow. In a competitive market, a pre-approval makes your offer far more credible to sellers.
Less than most people think. Conventional loans can start around 3% down, FHA at 3.5%, and VA and USDA offer $0 down for eligible buyers. Down payment assistance programs may help cover part of the down payment or closing costs. We'll walk through which options you qualify for.
There's no single magic number. Many programs work with lower scores, and a higher score generally earns a better rate. If your credit isn't where you want it yet, we can outline a clear plan to strengthen it before you apply.
DTI compares your monthly debt payments to your gross monthly income. Lenders use it to gauge how comfortably you can take on a mortgage. Lower DTI gives you more borrowing room; paying down a card or two before applying can make a real difference.
Closing costs cover items like appraisal, title, lender fees, and prepaid taxes and insurance — often roughly 2% to 5% of the purchase price. In some cases a seller credit or specific loan program can offset part of them. We give you a clear estimate up front, with no surprises at the table.
The interest rate is the cost of borrowing the loan amount. The APR folds in certain fees to show the broader yearly cost, so it's useful for comparing offers. Paying discount points lowers your rate in exchange for an upfront cost — worth it only if you'll keep the loan long enough to break even.
A rate lock holds your rate for a set period while your loan is processed, protecting you if rates rise. Because markets move daily, we'll talk through timing so you can lock with confidence at the right moment for your situation.
Yes. Beyond standard loans, we offer specialty and Non-QM options: bank statement loans that use deposits instead of tax returns, asset depletion loans that qualify you on your assets, and DSCR loans that qualify investment properties on their rental cash flow. If a traditional loan doesn't fit, there's often another path.
Pre-approval is often 24 to 72 hours with complete documents. From accepted offer to closing commonly runs about three to five weeks, depending on the loan type, appraisal, and how quickly documentation comes together. We keep things moving and keep you informed throughout.
First Colony Mortgage's company NMLS is 3112, and each loan officer's individual NMLS number is listed on their profile. You can verify any of them at nmlsconsumeraccess.org.
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Start Your Pre-Approval
Pre-approval starts with choosing the loan officer you'd like to work with. Pick whoever fits your situation and you'll head straight to their secure application — or call us and we'll match you with the right person.
Get Pre-Approved