Mortgage Lenders to Consider

Updated Tuesday, August 30, 2022


Here is a list of lenders who can work with you on pre-qualifying and then pre-approval.  Please visit each of their links to inquire about your eligibility and potential for maximum lending amounts.  An important question to ask is "Will your pre-qualification and/or pre-approval be reported to the major credit bureaus as a hard inquiry or a soft inquiry?  How much of an impact will this have on my credit profile?"


*Please disclose upfront that you were referred by me (Walter Washington, an agent at Keller Williams Realty LR Branch) and that you are shopping around for lenders to determine which fits best for your intended preferences and outcomes.*

When interviewing and screening loan officers, ask if they are very well versed with the Central Arkansas market and can offer loans that include features such as: ☑️ Zero down or low down payments ☑️ Uses IBR plan to factor in student loans ☑️ No mortgage protection insurance ☑️ No private mortgage insurance ☑️ Properly vets a file on the frontend Asking these questions will help narrow down the best options that align most closely with your desired outcomes.

Also, if you are buying a home with a Keller Williams agent (which, I, Walter Washington, am a Keller Williams agent) or buying a Keller Williams listing, then you are eligible for the ZeroPlus loan program and all the benefits that come with it such as "Zero lender fees", "Plus $1,000 credit at closing" (for loans over $150k), and "Plus a discounted rate".  So, if you want to potentially save thousands on a mortgage and possibly hundreds more on insurance coverage, then I recommend considering Keller Mortgage and Keller Covered.  You can apply for a ZeroPlus loan exclusively with Keller Mortgage while using Keller Covered to shop and compare home insurance quotes.  Take advantage of the ZeroPlus loan - $0 lender fees with Keller Mortgage.  Shop and compare quotes from the top 40 carriers in minutes using Keller Covered.  Please visit Keller Mortgage https://kellercovered.com/agent/709967 for more information and to apply.

  1. Pilgrim Mortgage Annias Tate NMLS # 853504 atate@pilgrimmtg.com (870) 995-5275 / (501) 377-9013
  2. BancorpSouth Bank, a division of Cadence Bank Eveonne Lindsey NMLS # 1458383 eveonne.lindsey@bxs.com (501) 837-5071 / (501) 975-5401 / (501) 975-5405
  3. CrossCountry Mortgage, LLC Tomekia Hunt NMLS # 142687 tomekia.hunt@myccmortgage.com (254) 338-7222
  4. Regions Bank Jacob Hall NMLS # 863366 jacob.hall@regions.com (501) 240-2626
  5. Intercontinental Capital Group, Inc. Orson Valley NMLS # 1761103 ovalley@icghome.com (501) 247-1495
  6. New American Funding Michael Wallace NMLS # 1251718 Michael.Wallace@nafinc.com (501) 615-3988 / (501) 295-0082
If you are looking for "a free soft pull for mortgage pre-qualification" or an option with "no hard credit pull needed, so it won’t impact your credit score" or even an option that "only takes 3 minutes to see if you qualify for an instant streamlined pre-approval letter, without affecting your credit," then here is a list of lenders to consider:

  1. Credible NMLS ID # 1681276 https://www.credible.com/mortgage
  2. Nathan Summers, Loan Expert with Better Mortgage NMLS # 2009892, (415) 523-8837, nathans@better.com, https://better.com/mortgage
  3. AmeriSave Mortgage Corporation, NMLS ID #1168, offers prequalification and customized rate quotes in less than three minutes and without a hard credit pull (in most cases) https://www.bankrate.com/mortgages/reviews/amerisave-mortgage-corporation
  4. Fidelity Home Group NMLS # 1834853 https://www.fidelityhomegroup.com/mortgage-softpull
  5. Wells Fargo https://www.wellsfargo.com/mortgage/planning/prequalify

Notable Mentions

  1. Navy Federal Credit Union doesn’t charge processing or underwriting fees for its loans. It also doesn’t charge a fee to relock your rate on purchase or refinance loans. As part of its Freedom Lock feature, you can relock your rate up to two times if rates improve.  Here is their review https://www.bankrate.com/mortgages/reviews/navy-federal-credit-union/ and their Mortgage Qualification Calculator https://www.navyfederal.org/loans-cards/mortgage/calculators/mortgage-qualification-calculator.html.

Overall List in Alphabetical Order by First Name


Just a reminder though that beyond credit scores lenders also look at your debt-to-income ratio, your monthly household expenses, your employment history, and more to determine whether you qualify for a loan.  Listed below are a few links to check out to learn more about the loan underwriting process.


For more information, please visit "Buying Guide https://walterwashington.kw.com/guide/buying" and follow the step-by-step guide.  Also, please continue to remain in contact with me via phone, email, or text.  I am happy to be serving as #YourRealEstateAdvocate #Working, #Advocating, and #Leveraging #Towards #Excellent #Results!

Blessings,

Walter Washington, REALTOR®
#YourRealEstateAdvocate
#CallOrTex5016123838 WalterWashington@KW.com
License # SA00087539 NRDS # 128087539
#Working, #Advocating, and #Leveraging #Towards #Excellent #Results!
Location: 12814 Cantrell Rd, Little Rock, AR 72223, USA

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