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FHA, VA, and USDA Loans

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Happy Mortgage

Government Backed Home Loans (FHA, VA, USDA)

Lower or no down payment options and fixed rate stability—backed by federal programs that help make homeownership more accessible. Our local mortgage pros will guide you from prequalification to closing.

Accessible Options
Low or No Down Payment
Fixed Monthly Payments

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Loan Options

FHA Loans

Designed to help first time and moderate income buyers, FHA insured mortgages offer flexible credit considerations and a lower minimum down payment.

  • Lower minimum down payment than many conventional loans
  • Purchase or refinance options
  • Fixed rate terms for steady payments

VA Loans

Exclusive benefits for eligible service members, veterans, and some surviving spouses — often with no down payment and no PMI.

  • Up to 100% loan to value for eligible borrowers
  • No private mortgage insurance (PMI)
  • Streamlined refinancing via IRRRL

USDA Loans

Zero down financing for eligible buyers in USDA designated rural areas, with fixed rate stability and up to 100% financing.

  • 0% down for eligible properties and borrowers
  • Up to 100% loan to value
  • Fixed rate protection

Tools & Next Steps

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Applicants

Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

Employment at Home BancShares, Inc. is "at-will." "At-will" means employees are free to resign at any time, with or without cause. Likewise, "at-will" means Home BancShares, Inc. may terminate employment at any time, with or without cause or advance notice. No supervisor or representative of HBI has any authority to enter into any agreement for employment for any specified period of time, or to make any agreement contrary to HBI's employment-at-will policy. This policy may not be changed without the express written approval of the Board of Directors or its designated representatives.

Click here to view Know Your Rights: Workplace Discrimination is Illegal provided by the EEOC.

Pay Transparency Nondiscrimination Poster provided by the OFCCP. Note: as of 3/6/2025, the OFCCP is reconfiguring their website.

Click here to view Workplace Posters provided by the US Department of Labor.

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Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Happy State Bank has been working with a third party accessibility specialist and has had its website live user tested by a visually impaired individual to make sure the website is accessible. Accessibility is an ongoing goal of Happy State Bank.

If you have difficulty accessing features or functions on this website, please email us at info@happybank.com during regular business hours and we will work with you to provide the information you seek.

By clicking the “I Understand – Continue” button, you will be re-directed to a new website. The site to which you will be connected has its own accessibility, security and privacy policies and may provide less accessibility and/or security than the current site. Happy State Bank has no control over, and takes no responsibility for the content or performance of any linked website.