Business Details
31 Years
experience
Your Trusted Mortgage Partner in Mountain Home, AR
Since 1995, Nosari Home Mortgage has been dedicated to providing comprehensive mortgage solutions tailored to meet the diverse needs of our clients. Our team of experienced loan officers specializes in guiding first-time homebuyers, veterans, and retirees through the home financing process with personalized service. We offer a wide range of loan programs, including FHA, VA, USDA, and conventional mortgages, ensuring accessibility for individuals with varying credit profiles. Our commitment to transparency is reflected in our no-upfront-fee policy and competitive rate structures. With offices in Arkansas and Missouri, we combine local market expertise with national lending standards.Our loan officers undergo continuous training to stay current with evolving mortgage regulations and products. We prioritize building long-term relationships by focusing on client education and financial empowerment. Our streamlined pre-approval process helps buyers navigate the housing market with confidence. The company maintains strict compliance with all federal and state lending regulations. Our track record of satisfied customers demonstrates our ability to deliver reliable mortgage solutions while maintaining the highest standards of professional integrity.
Services
First Time Homebuyers
VA Loans
FHA Loans
Refinance
Reverse Mortgage
Details
- Year established: 1995
Highlights and features
- We offer 25+ years of mortgage lending experience with local market expertise
- Our team provides personalized guidance through complex loan programs
- We maintain a 100% transparent fee structure with no hidden costs
- Our loan officers hold active NMLS licenses in Arkansas and Missouri
- We offer exclusive free moving truck access to homebuyers
Services
First Time Homebuyers
Our specialized program helps first-time buyers navigate the mortgage process with flexible qualification criteria. We offer USDA loans requiring no down payment and FHA options with 3.5% minimum down. Our experienced loan officers provide personalized guidance through every step, from pre-approval to closing. Clients benefit from our local market expertise and commitment to making homeownership accessible for new buyers.
VA Loans
We provide VA loans for active military members and veterans with competitive rates and no down payment requirements. Our team has processed VA loans since our first transaction in 1995. These loans allow financing for manufactured homes, properties with acreage, and traditional residences. We offer both purchase and refinance options including Interest Rate Reduction Refinance Loans (IRRRL) to help veterans optimize their home financing.
FHA Loans
Our FHA loan program assists buyers with lower credit scores or limited savings through 3.5% down payment options. These loans accept gifted funds for down payments and consider non-traditional credit histories. We help clients understand FHA requirements for property condition and mortgage insurance. Our loan officers guide applicants through the process of qualifying for these government-backed loans that make homeownership more accessible.
Reverse Mortgage
We offer HECM reverse mortgages that allow seniors to access home equity while maintaining ownership. These loans provide payment options including lump sums, monthly payments, or credit lines. Funds can be used for retirement expenses, medical bills, or home improvements. No repayment is required as long as the home remains the primary residence. Our counselors explain eligibility requirements and help clients determine if this option suits their retirement strategy.
Refinance
Our refinance program helps homeowners secure better interest rates, reduce monthly payments, or access home equity. We offer conventional refinancing, cash-out options, and streamline programs for existing VA and FHA loans. Our team analyzes current mortgage terms to determine if refinancing would provide financial benefits. We explain closing costs, break-even points, and how different loan terms affect long-term savings for informed decision-making.
People
Chris Nosari
Loan Officer
With over 25 years in mortgage lending, Chris specializes in first-time homebuyer programs and VA loans. He helps clients navigate complex financing options while maintaining clear communication throughout the process.
Danny Ferguson
Loan Officer
Danny focuses on FHA and USDA loans, assisting clients with limited down payment resources. His expertise includes credit rehabilitation strategies and explaining mortgage terms in accessible language for new buyers.
Andrea Johnson
Loan Officer
Andrea specializes in reverse mortgages and retirement financing solutions. She provides detailed explanations of equity access options while ensuring clients understand long-term implications of their mortgage decisions.
Kimberly Bontrager
Loan Officer
Kimberly assists clients in West Plains with conventional and government-backed loans. She focuses on transparent communication about loan terms, helping buyers understand all aspects of their mortgage commitments.
Questions
What mortgage programs does Nosari Home Mortgage offer?
We offer FHA, VA, USDA/Rural Development, and conventional loans to meet diverse homebuying needs.
Can I qualify with past credit issues?
Yes, our loan officers specialize in helping clients with non-traditional credit histories achieve homeownership.
Why get pre-approved before house hunting?
Pre-approval clarifies your budget and demonstrates to sellers that you're a qualified buyer.
Do you charge additional fees?
We offer transparent pricing with no upfront processing, origination, or hidden fees.
Are 100% financing options available?
Yes, we provide USDA and other loan programs requiring no down payment for qualified applicants.
