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Arkansas · Powered by Loan Factory
Jerry Kindig is licensed in Arkansas. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Arkansas.
Licensed in Arkansas
ARLoan Factory, Inc. license, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Arkansas license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Arkansas.
Loan Factory, Inc. license in Arkansas, from our state license list:
Combination of Mortgage Broker, Mortgage Banker and/or Mortgage Servicer Licenses
License#: 124754
Licensed by Arkansas Securities Department
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
Arkansas has about 3.1 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Arkansas (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 10 largest Arkansas cities by population, plus Hot Springs. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Little Rock, in Northwest Arkansas, or in a smaller community, we work with borrowers throughout Arkansas and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Arkansas Tourism · Arkansas Secretary of State, State Capitol · University of Arkansas · Arkansas State University · University of Central Arkansas · Crystal Bridges · NPS Fort Smith · NPS Hot Springs.
A few facts worth knowing before you buy in Arkansas.
Sources: Arkansas DFA, 2025 indexed tax brackets · Arkansas DFA, state sales and use tax rates · NOAA NCEI 1991-2020 climate normals (Little Rock, Fort Smith) · U.S. DOT time zone map · NIST, daylight saving time · Little Rock AFB, 19th Airlift Wing.
Arkansas calls itself The Natural State and has 52 state parks. Here are eight places to explore.
Historic bathhouses, ancient thermal springs, and forested hikes, all in the middle of town.
Established in 1972, it flows freely for 135 miles through the Ozark Mountains.
Site of the 1957 confrontation over enforcing civil rights after Brown v. Board of Education, and the story of the Little Rock Nine.
A 4,400-acre Civil War battlefield where more than 23,000 soldiers fought in March 1862.
Preserves almost 80 years of frontier history, from 1817 to 1896.
Five miles of sculpture and walking trails link the museum's 134-acre park to downtown Bentonville.
Cedar Falls, sandstone formations on the Seven Hollows Trail, and prehistoric rock art at Rock House Cave.
The state's highest point, in the Arkansas River Valley.
Sources: Arkansas Tourism · NPS Hot Springs · NPS Buffalo National River · NPS Little Rock Central High School · NPS Pea Ridge · NPS Fort Smith · Crystal Bridges.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
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Yes. Jerry Kindig (NMLS #2397823) is licensed in Arkansas, and Loan Factory, Inc. (NMLS #320841) holds Arkansas license 124754 (Combination of Mortgage Broker, Mortgage Banker and/or Mortgage Servicer Licenses) from the Arkansas Securities Department. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in Arkansas and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. For tax year 2025, Arkansas's individual income tax rates range up to a top rate of 3.9%, according to the Arkansas Department of Finance and Administration.
The state sales and use tax rate is 6.5%, according to the Arkansas Department of Finance and Administration. City and county taxes are added, so the total rate depends on where you buy.
All of Arkansas is on Central Time and observes daylight saving time.
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