Home loans
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.
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.
HUD Section 184 Native American
The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families. It provides home buyers with a low down payment, reduced mortgage insurance, and flexible guidelines for qualification among its many other advantages.
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 to low down payments for well-qualified buyers.
- Professional Provider Mortgage allows a Medical Physician, Oral Surgeon, Dentist, Optometrist, Certified Registered Nurse Anesthetist (CRNA), or Veterinarian 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.
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