Better Banking. Better Lives.

Home Loan Options

When you’re buying a home, you want the right loan; one that provides the most benefit and lowest costs for you. At HOPE, we have plenty of choices and we’ll work to find the one that is the best fit for your needs.

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Whether you’re buying your first home, needing to get a bigger house for a growing family, or wanting someplace smaller for retirement, there are plenty of options at HOPE. We may also be able to connect you with special programs for downpayment assistance.


If you’ve been in your home for a while, you may be paying too much for it. With today’s low interest rates, we can help you determine how much a new loan could save you each month. You might also use the equity in your home to make repairs, do some renovations, consolidate bills, or even pay for educational expenses.

Conventional Loans

While these loans may require better credit histories and scores, they can offer lower rates and fewer fees. HOPE has lots of experience in making these types of loans to a wide variety of borrowers.

FHA Loans

Backed by the Federal Home Loan Administration, FHA loans are designed for low- to moderate-income borrowers who are unable to afford the larger downpayment associated with conventional loans.

Jumbo Loans

If you are in the market for a larger, more expensive home, consider the benefits of a HOPE jumbo loan. We can finance homes valued at up to $650,000.

USDA Rural Housing Loans

The US Department of Agriculture has loans that can be used to help low-income individuals and families purchase, renovate, or relocate a home in rural areas.

VA Loans

The Department of Veterans Affairs offers a mortgage option to current and former members of the armed services. These attractive loans can be used to finance 100% of a homes value.

Affordable Housing Loans

HOPE has developed a special home loan option for low- and moderate-income families across the Mid South. This option can help people with credit scores as low as 580 and who have struggled with medical collections, cell phone bills, or subscription services (book clubs, recurring online billing, etc.)


Featured Stories

Hope Credit Union Expands into Southwest Little Rock

LITTLE ROCK, AR – Hope Enterprise Corporation and Hope Credit Union (HOPE) celebrated the grand opening of its newest location at 8411 Interstate 30 in Southwest Little Rock on Thursday, June 2. The new full service location expands on HOPE’s existing presence, a program office housing a commercial lender since 2006 and a branch in College Station since 2008, and offers area residents access to checking and savings accounts, auto loans and credit cards, mortgages and small business loans. Anyone who supports the mission of HOPE, to improve the quality of life for low-income and low-wealth individuals in the Mid South, may join the credit union to take advantage of the benefits of membership. “We are excited to open our newest branch in Southwest Little Rock, a diverse and growing community filled with opportunity,” said HOPE CEO Bill Bynum. “We are grateful to our long time partners the Winthrop Rockefeller Foundation, NeighborWorks® America and Regions Bank for their ongoing generosity and support to make this day possible.” Since 2008, HOPE has expanded from 7 to 27 locations – many of which are located in communities where few affordable banking options exist. HOPE serves 30,000 members, one out of three of whom were unbanked when they joined. Through July 31, 2016, HOPE will feature special offers to help make it more affordable for people to become members. The credit union will waive the monthly fee on all checking accounts for six months and the application fee on personal loans. HOPE offers checking and savings accounts, consumer and mortgage loans and commercial lending services. The Little Rock branch is open Monday – Thursday 9am – 4pm and Friday 9am – 6pm. For more information about HOPE or a complete list of services and locations, visit About HOPE HOPE (Hope Enterprise Corporation and Hope Credit Union) is a community development financial institution, community development intermediary and policy center that provides affordable financial services; leverages private, public and philanthropic resources; and engages in policy analysis in order to fulfill its mission of strengthening communities, building assets, and improving lives in economically distressed parts of the Mid South.

HOPE receives Platforms for Prosperity Award

Hope Enterprise Corporation received the CFED 2014 Platforms for Prosperity “Where We Bank” Award, sponsored by Citi®, at the Assets Learning Conference in Washington, DC in September.

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