Let’s Get You
Home.
Rogers and Bentonville move fast. You deserve a loan officer who speaks plainly, moves quicker, and stays in your corner — from first call to closing day.
As of the week of June 11, 2026, the U.S. average 30-year fixed mortgage rate is 6.52% and the 15-year fixed averages 5.84%, according to Freddie Mac's Primary Mortgage Market Survey.
No single average fits these — your rate depends on your situation. Let's find what you'd actually qualify for.
Get your personalized rate →The averages above are the market's starting line — not a quote, and not your number. Your actual rate moves with your credit, your down payment, the loan program that fits you, and where the market sits the day you lock. My job is to walk you through each piece, lay out the trade-offs honestly, and help you land on the option that truly works for your family — no pressure, no surprises.
A different kind of
mortgage experience.
Big banks hand you a 1-800 number. Kiley picks up the phone. Here’s what working with a local loan officer actually feels like.
Born and working in Northwest Arkansas, Kiley knows the Rogers and Bentonville markets from the inside out — not from a call center across the country.
DTI, LTV, PMI — Kiley speaks plain English. Every step gets explained clearly so you always know exactly where you stand and what comes next.
No sales scripts, no urgency tactics. Kiley presents your options honestly and lets you decide — even if that means waiting, or choosing a different path entirely.
From first call to
closing day.
Getting a mortgage doesn’t have to be mysterious. Here’s exactly what to expect when you work with Kiley.
A quick 15–30 minute call — no paperwork, no commitment. Kiley listens to your situation, answers your questions, and maps out your best path forward.
No obligation requiredKiley handles the heavy lifting. You’ll get a pre-approval letter that gives you real negotiating power and shows NWA sellers you mean business.
Typically 24–48 hoursFrom accepted offer to closing day, Kiley stays in constant communication — no black holes, no surprises. You’ll always know exactly what’s happening.
Avg. 30–45 days to closeHome loan options for
your situation.
Not everyone’s path to homeownership looks the same. Kiley works with a full range of programs to find the right fit — not just the easy one.
A great fit for first-time buyers. Flexible credit requirements and down payments as low as 3.5% make this one of the most accessible paths to homeownership in NWA.
The workhorse of home loans. Great rates for buyers with solid credit, and the flexibility to eliminate PMI once you reach 20% equity.
If you’ve served our country, you’ve earned one of the best mortgage benefits available — zero down payment, no PMI, and highly competitive rates.
The best-kept secret in Arkansas homebuying. Zero down payment for eligible buyers — and USDA eligibility covers more of Northwest Arkansas than most people expect.
For higher-priced properties above conventional loan limits. Kiley works with buyers across Bentonville’s growing luxury market.
Lower your rate, shorten your term, or pull out equity for a project. Kiley runs the numbers honestly — no pressure if it doesn’t actually make sense right now.
Your local mortgage
expert in Rogers.
Kiley Conner is a licensed mortgage loan officer serving Rogers, Bentonville, and the Northwest Arkansas area. She started in this business because she believes everyone deserves a clear path to homeownership — without the confusion, the runaround, or the fine print nobody explains.
Whether you’re buying your first home near the Railyard District, upsizing in Bentonville, relocating for a position, or eyeing something in the Ozark hills — Kiley knows this market, and she’ll work to find the loan that fits your real situation.
Don’t take our word
for it.
Kiley made the house buying process a BREEZE for me. As a first time homebuyer and single mom, I felt at a total loss and not sure where to start. Kiley and her team helped me the entire way. Things were so easy to do. The document signing, sending, attaching. Talking about loans and what type would be best for me. Working to find me the best interest rate and explaining how to ‘buy it down’. I truly can not say enough good things about Kiley and her team. They made the entire home buying process simple and easy for me and that is exactly what I needed in this season of life that has been more than overwhelming. Thank you so much Kiley!
Kiley was great to work with during my refinance. The whole process was very smooth, and she kept me informed every step of the way. She was always helpful, quick to respond, and made everything easy to understand. I highly recommend working with Kiley!
Kiley was a rock star! She was thorough in explaining the breakdown of fees, mortgage payments, and the mortgage process. She made it as easy as possible to sign off on and provide the necessary documents. She worked hard to get us the best rate and mortgage that fit our needs. She was also very kind, friendly, transparent, and an overall joy to work with during a process that could otherwise be overwhelming or stressful! I am thankful for her help and would definitely recommend her.
Estimate your
monthly payment.
Get a quick ballpark before we talk. Adjust the sliders to match a home you’ve been eyeing — then reach out when you’re ready for your real numbers.
Let’s find your way home
to Northwest Arkansas.
A free, no-pressure conversation is all it takes to get started. Kiley will walk you through your options, answer every question, and help you take the next step.
Book Your Free Consultation →Common questions about
buying a home in Northwest Arkansas.
Loans by Kiley is a mortgage lending team based in Rogers, Arkansas, led by Kiley Conner (NMLS #1453865), serving Rogers, Bentonville, Fayetteville, Springdale, and Bella Vista with FHA, VA, USDA, conventional, jumbo, and bank statement loans.
What credit score do you need to buy a house in Arkansas?
Most Arkansas lenders require a 620 credit score for conventional loans and a 580 for FHA with 3.5% down (500–579 qualifies with 10% down). VA loans have no official minimum, though most lenders look for 580–620. Higher scores unlock meaningfully lower rates — even a 20-point difference can save hundreds per month.
How much down payment do you need to buy a home in Northwest Arkansas?
Less than most people think. VA loans require zero down for eligible veterans. USDA loans are also zero down in qualifying rural areas. FHA requires 3.5% down with a 580+ score. Conventional loans start at 3% down for first-time buyers. On a $300,000 NWA home, 3.5% is $10,500 — and Arkansas down payment assistance programs can cover part of that.
Are there first-time homebuyer programs in Arkansas?
Yes — the Arkansas Development Finance Authority (ADFA) offers several programs, including Move-Up and StartSmart loans paired with down payment assistance. Some programs also offer a second lien that covers closing costs. Income and purchase-price limits apply. As an ADFA-familiar lender serving Northwest Arkansas, Kiley can tell you exactly which programs you qualify for.
How long does mortgage pre-approval take in Arkansas?
With Loans by Kiley, most buyers receive a same-day or next-business-day pre-approval once they submit income documents, bank statements, and ID. In competitive Rogers and Bentonville markets where offers move fast, having a fully underwritten pre-approval — not just a soft pre-qual — is often what wins the house.
What is the best mortgage lender in Northwest Arkansas?
The best lender is the one who knows your market, answers your calls, and closes on time. Kiley Conner (NMLS #1453865) is a Rogers-based mortgage loan officer with 10+ years in the mortgage industry serving NWA buyers — first-time, VA, FHA, and move-up. She’s licensed in Arkansas, Missouri, Kansas, and Oklahoma, and consistently earns 5-star reviews from buyers across Rogers, Bentonville, Fayetteville, Springdale, and Bella Vista.