Business Details
Your Trusted Arkansas Mortgage Lender
At First Security Mortgage, we are dedicated to empowering Arkansans through comprehensive mortgage solutions and community-focused financial education. As a full-service mortgage lender operating across Arkansas, our experienced team of loan specialists is committed to guiding homebuyers, refinancers, and real estate professionals through every step of the lending process. We prioritize transparency by providing regular loan updates and progress reports, ensuring clients maintain full visibility into their transactions. Our offerings include access to a diverse range of loan productssuch as FHA, VA, and conventional mortgagesalongside competitive rates and terms tailored to individual needs.Beyond traditional lending, we support financial literacy through initiatives like our First Steps Program, which features free workshops, a quarterly radio series, and online resources designed to strengthen community financial health. With over 70 locations and decades of combined expertise, we combine local market knowledge with advanced digital tools to deliver personalized service that reflects our deep commitment to Arkansas communities. Our mission extends beyond transactions; we aim to build lasting relationships by fostering trust, innovation, and security in every interaction.
Services
FHA Loans
VA Loans
Conventional Mortgages
Refinance Options
Home Purchase Assistance
Online Mortgage Applications
Loan Pre-Approval
Community Financial Education
First Steps Program
Investment Services
Highlights and features
- We offer personalized mortgage solutions tailored to Arkansas homebuyers.
- Our team provides regular loan progress updates for transparency.
- We support financial education through free community workshops and resources.
- We combine local expertise with advanced digital tools for seamless service.
- We maintain a diverse portfolio of loan products to meet varied needs.
Services
FHA Loans
FHA Loans provide accessible mortgage options for first-time homebuyers with lower credit scores or limited down payments. These government-backed loans offer competitive interest rates and flexible qualification requirements, making homeownership achievable for a broader range of Arkansans. Our team specializes in guiding clients through the FHA loan process from application to closing.
VA Loans
VA Loans offer zero-down payment options and favorable terms for eligible veterans, active-duty service members, and surviving spouses. As a veteran-friendly lender, we streamline the VA loan process while ensuring clients understand their benefits and documentation requirements. Our specialists provide dedicated support to honor military service through homeownership opportunities.
Conventional Mortgages
Conventional Mortgages cater to borrowers with strong credit histories seeking standard home financing solutions. We offer fixed-rate and adjustable-rate options with various term lengths to match different financial goals. Our underwriting process emphasizes clear communication and timely approvals for purchase or refinance transactions across Arkansas markets.
Refinance Options
Our Refinance Options help homeowners reduce monthly payments, shorten loan terms, or access home equity. We analyze current market conditions and client financial profiles to recommend cash-out refinancing, rate-and-term adjustments, or debt consolidation strategies. The process includes break-even analysis and customized rate comparisons for informed decision-making.
First Steps Program
The First Steps Program delivers free financial literacy resources through workshops, radio segments, and community events. Topics cover credit management, budgeting, and homeownership preparation to build long-term financial stability. Participants gain practical tools and direct access to loan officers for personalized guidance on achieving their homeownership goals.
People
Kristi Thurmon
Loan Originator
Kristi Thurmon specializes in mortgage insurance education and credit-building strategies for first-time homebuyers. With over a decade of experience in Arkansas real estate markets, she helps clients navigate loan requirements and financial planning through workshops and personalized consultations.
Rico Sergent
Loan Originator
Rico Sergent serves Maumelle residents with expertise in mortgage products and refinancing options. As a First Steps Program educator, he conducts financial literacy sessions and provides one-on-one guidance to help Arkansans achieve homeownership while maintaining financial health.
Andrea Lewis
Community Reinvestment Act Officer
Andrea Lewis leads First Security Bank's financial literacy initiatives, including the First Steps radio series and workshops. With 15 years in community banking, she focuses on credit repair, homeownership pathways, and wealth-building strategies for underserved populations across Arkansas.
Questions
What mortgage loan types do you offer?
We provide FHA, VA, conventional, and rural development loans alongside Arkansas-specific programs like ADFA mortgages. Our options include purchase loans, refinance solutions, and specialized products for first-time homebuyers.
Can I apply for a mortgage online?
Yes, we offer online mortgage applications with secure document submission and digital tracking. Our system allows 24/7 access to application status while connecting applicants with local loan officers for support.
Do you offer first-time homebuyer programs?
Our First Steps Program provides education, down payment assistance guidance, and specialized loan options for first-time buyers. This includes workshops on credit preparation and partnerships with local housing agencies.
How does your refinance process work?
We analyze current loan terms, home equity, and market rates to recommend cash-out refinancing, rate reductions, or term adjustments. The process includes break-even calculations and personalized rate lock options for Arkansas homeowners.
What areas do you serve?
We operate statewide across Arkansas with 70+ locations. Our services cover major markets including Little Rock, Fayetteville, Jonesboro, and rural communities through local loan officers and online resources.