USDA Loans West Helena, Arkansas

The West Helena USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN.  When home buyers hear USDA rural they often think of farms or underdeveloped areas.  In most cases you can find USDA eligible properties just outside of major Arkansas cities.  USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some states like Arkansas, the vast majority of the state is eligible for USDA loans. Find out if a property in West Helena, AR is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help.  Connect with a licensed USDA specialist, ask questions, see what cities qualify, and get free quotes.

Finding the Perfect Home Loan

Thousands of consumers in West Helena, AR are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help West Helena home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2024 West Helena mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a West Helena, Arkansas USDA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a USDA Eligible Home.
  • Secure a loan and purchase your new home!

Working around Credit Issues with Top Rated Specialists

The USDA Rural Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with West Helena, AR first time home buyers.  We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just USDA rural mortgage loans.  Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options.

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    Once this form is completed you will have the option to start your USDA mortgage application.

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    West Helena, AR USDA Benefits

    • No down payment required
    • Low 30 year fixed rate
    • 102% financing (100% plus the guarantee fee that can be financed or paid for by the seller)
    • Can finance closing costs if appraisal above sales price
    • Competitive rates (as set by the underwriting lenders)
    • Minimal mortgage insurance required
    • No cash contribution required from borrower
    • Gift Funds Allowed
    • No maximum loan amount (although there are family income limits)
    • No reserves required
    • Streamlined credit approval for scores above 640
    • Can refinance an existing USDA loan to get a better interest rate if available

    Find your West Helena, AR USDA Home Loan 888-767-0554.

    Helena–West Helena is the county seat of and the largest city within Phillips County, Arkansas, United States.[2] The current city was consolidated, effective January 1, 2006, from the two Arkansas cities of Helena and West Helena. Helena is sited on lowlands between the Mississippi River and the eastern side of Crowley’s Ridge. West Helena is located on the western side of Crowley’s Ridge, a geographic anomaly in the typically flat Arkansas Delta. The Helena Bridge, one of Arkansas’ four Mississippi River bridges, carries U.S. Route 49 across to Mississippi. The combined population of the two cities was 15,012 at the 2000 census and at the 2010 census, the official population was 12,282.[3]

    The municipality traces its historical roots to the founding of the port town of Helena on the Mississippi River by European Americans in 1833. As the county seat, Helena was the center of a prosperous cotton plantation region in the antebellum years. Helena was occupied by the Union Army early in the American Civil War. The city was the site of the Battle of Helena fought in 1863. Confederate forces unsuccessfully tried to expel Union forces from Helena in order to help relieve pressure on the strategic river town of Vicksburg, Mississippi. Later in the year, Helena served as the launching point for the Union Army in the capture of Little Rock, the state capital.

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