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Simmons Bank offers a variety of mortgage loan options to assist you, whether you are dreaming of buying a home, refinancing your current mortgage, planning for an investment property or buying that vacation retreat you've always wanted. A Simmons Bank mortgage lender can help walk you through the process and choose what's best for you. Are you ready to make your dream of homeownership a reality? Talk with a Simmons Bank mortgage expert today or pre-qualify online.

OUR SERVICES

CONVENTIONAL LOANS

Fixed- and adjustable-rate mortgage products with as little as 5% down.

JUMBO LOANS

Fixed- and adjustable-rate mortgage products for loan amounts over $453,100.

FHA LOANS

An accessible and affordable loan for first-time homebuyers and borrowers with less-than-perfect credit.

VA LOANS

100% financing for eligible veterans.

USDA RD LOANS

100% financing for eligible areas and eligible borrowers. A great option for first-time homebuyers plus minimal or no down payment. Option to finance closing costs.

STATE-APPROVED DOWN PAYMENT ASSISTANCE PROGRAMS

Makes purchasing a home more affordable for low-to-moderate-income families and individuals. Check with your local mortgage lender for availability and eligibility.

SIMMONS BANK LOAN PRODUCTS

In addition to the options outlined above, Simmons offers a suite of mortgage products designed to fit a range of needs – from flexible credit terms and low down payments to private banking products for well-qualified buyers.

  • Professional Provider Mortgage allows a Medical Physician, Oral Surgeon, or Dentist who has completed medical school or dental school and is in residency, fellowship or in practice to leverage future income for present-day home purchases.
  • Affordable Advantage Mortgage offers flexible credit terms and low down payments, making homeownership simple, straightforward and, most important, affordable for low-to-moderate borrowers who may not qualify for other loan options. Only available in select markets.
  • Options for hard-to-finance condominiums.
  • Construction loans.
  • Fixed-rate, adjustable-rate and balloon loans for those who may not qualify for other loan options.

READY TO APPLY?

Pre-qualifying for a mortgage with Simmons Bank is simple. Whether you start online or with a mortgage lender, you’ll need to gather a few things:​

​SOCIAL SECURITY NUMBER

CONTACT & EMPLOYMENT INFORMATION

BEST ESTIMATES OF INCOME, ASSETS & LIABILITIES