The Property Shop Of AR, Inc.

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Kristy Philbrook

2221 S Olive #M

Pine Bluff, AR 71601
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Types of Loans

Conventional loans (click) can be fixed rate mortgages, adjustable rate mortgages, balloon mortgages, or hybrid loans. Almost any type of loan that you take, if not issued by a government entity, is considered a conventional loan.

FHA loans (click) have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal.

  • Low down payments
  • Low closing costs
  • Easy credit qualifying

The VA Loan (click) became known in 1944 through the original Servicemen’s Readjustment Act also known as the GI Bill of Rights. The GI Bill was signed into law by President Franklin D. Roosevelt and provided veterans with a federally guaranteed home with no down payment.  All veterans must qualify, for they are not automatically eligible for the program.

Rural Developement  (Request a brochure or find out if a home is in an eligible rural area)
No downpayment is required. The maximum loan amount is 100% of the appraised value, plus the one time guarantee fee may be rolled into the loan above the appraised value.  Home must be located in an eligible rural area. Household income must not exceed the adjusted income limit for the area.

Good Neighbor Next Door (click)
Law enforcement officers, pre-Kindergarten through 12th grade teachers and firefighters/emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD’s Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.

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