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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Today's Arkansas Mortgage Rates in the HSH Lender Showcase

Arkansas Mortgages

If you're researching home loans for a new home purchase or refinancing an existing one, HSH.com can help. Our graphs quickly show you historical AR mortgage rates for different home loan programs, and you can even drill down to rates offered in major metro areas.

In a climate of low Arkansas mortgage rates, you might consider moving from a traditional 30-year amortization period to a 15-year loan term to save on total interest payments. In a period of higher interest rates, consider a hybrid adjustable-rate mortgage (ARM) for affordable monthly payments in the initial fixed-rate period.

The right home pricing and the right timing--paired with the right home loan--can save you thousands of dollars in interest payments or fees. Contact any of the mortgage lenders on this page to learn more about current AR mortgage rates and to discover ways to save money on your refinance or home purchase.

Arkansas Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2025 Conforming loan limits for Arkansas

Select County
County Name One Family Two Family Three Family Four Family
Arkansas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ashley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Baxter County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Benton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Boone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bradley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calhoun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carroll County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chicot County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clark County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cleburne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cleveland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Columbia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Conway County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Craighead County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crawford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crittenden County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cross County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dallas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Desha County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Drew County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Faulkner County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fulton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Garland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grant County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greene County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hempstead County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hot Spring County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Howard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Independence County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Izard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Johnson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lafayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lawrence County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Little River County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Logan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lonoke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Miller County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mississippi County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nevada County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Newton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ouachita County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Perry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Phillips County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pike County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Poinsett County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Polk County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pope County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Prairie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pulaski County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Randolph County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Saline County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Scott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Searcy County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sebastian County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sevier County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sharp County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
St. Francis County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Union County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Van Buren County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
White County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Woodruff County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Yell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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