FHA VS Conventional loan in Mena, Polk County, Arkansas

For the year 2026, the loan limit for Conventional loans in the county of Polk, located in Mena, AR, is set at $726,200. In contrast, the FHA loan cap for a single-family residence is $472,030.

To evaluate the best current rates for Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. The tool assists in identifying necessary income levels, credit scores, reserves, and documentation for qualification. This modern mortgage calculator offers you a view of Conforming Conventional, USDA, FHA, and VA loans side by side, helping you to decide the optimal financial program in AR that suits your specific monetary needs.

Explore loan offers from a pool of 100 lenders

2026 Loan Thresholds and Down Payment Needs in Mena, Polk County, AR

Loan Category Max Loan Amount Initial Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

These figures relate to the zip codes: 71953

Diverse Loan Options Including Conventional and FHA in Mena, AR

The aim of Lendersa® is to swiftly provide you with the finest Conventional, USDA, or FHA loan options, eliminating unnecessary difficulties. Engage in any of the three outlined pathways to connect with matching lenders and tailor-fit loan programs.

Lendersa USDA loan request and matching results


Mena Lenders

  • Farmers Bank
  • 71 West Center Street, Greenwood, AR, 72936
  • Lends in Arkansas
  • In 1907 some young influential business and professional people recognized that the financial needs of rural Sebastian County were not being met, so in 1907 Farmers Bank was organized. Today, during a time of mass mergers and takeovers, Farmers Bank is among the oldest banks in Arkansas still operating under its original charter as when it was orga

  • The First National Bank at Paris
  • 11 E Main St, Paris, AR, 72855
  • Lends in Arkansas
  • The First National Bank at Paris was established in 1891 as The Bank of Paris by a group of local businessmen who had a deep commitment to the people of Paris and Logan County. At that time, Paris was a bustling community of 600 people. Founded by W.R. Cherry, the bank occupied the first floor.

  • First National Bank of Fort Smith
  • 602 Garrison Ave, Fort Smith, AR, 72902
  • Lends in Arkansas
  • Founded more than 140 years ago, The First National Bank of Fort Smith is the oldest national bank in the state of Arkansas. The bank was organized February 29, 1872, as "The National Bank of Western Arkansas."​ In 1888, the name was changed to The First National Bank of Fort Smith.

  • Express Mortgage llc
  • 604 S 4th St, Van Buren, AR, 72956
  • Lends in Arkansas
  • "Express Mortgage has been serving Arklahoma proudly for over 10 years. We look forward to answering any questions you may have regarding our services.

    Express Mortgage offers every mortgage product imaginable ... conforming FNMA/FHLMC ... government FHA ... reverse mortgage ... and VA. Our expertise lies in outstanding customer service"

  • Priority Bank
  • 401 W College St, Ozark, AR, 72949
  • Lends in Arkansas
  • Priority Bank is a local financial services institution that has served Ozark and Northwest Arkansas with quality service and professionalism since 1993.Priority Bank is incorporated in the state of Arkansas and is a federally chartered Savings Bank located in Fayetteville, Arkansas. It is regulated by the Office of the Comptroller of the Currency

  • Rudkin & Associates Mortgage
  • 43300 Higginbotham Road, Perryville, AR, 72126
  • Lends in Arkansas
  • The Rudkin & Associates Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.