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Even if you miss one mortgage payment, you are in danger of having the foreclosure process begin. Now, this does not necessarily mean you are inevitably going to be foreclosed upon, but the mortgage company is going to tell you that they have not received your payment and that you should send it immediately.

Typically, you will get these letters for two to three months if you do not make a payment, and nothing else will happen. If you make good on your mortgage payments, nothing else should occur and everything should be okay as far as your mortgage goes. However, it might go on your credit report that you have been past due on your mortgage payments.

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Figure out how much you can afford
What you can afford depends on your income, credit rating, current monthly expenses, down payment and the interest rate.


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Learn what Steps to take to prepare your home to Sell.


Agent–An individual who represents a seller, a buyer or both in the purchase or sale of real estate. Amortization–The schedule of loan payments that establishes the amount of payment to be applied to the principal…


The most important step in obtaining a first time home loan is to find a mortgage provider who will lend you the money you need for your dream home and match that with your credit.


Find the market value of your home compared to other homes in your area for FREE!

THE MCCOY residential Real Estate resource division takes great pride in our levels of both quality and service by offering clients a wide variety of resources to choose from for the most competitive market rates. We work with many organizations and have no obligation to any particular lender or service provider. Therefore, we provide objective advice to present you with the best options possible for your needs and situation. We empower our vast clientele of borrowers with the unbiased facts necessary to make well-informed financial decisions.


She is indeed the real Mc Coy. Very professional, courteous and knowledgeable in her profession.Ashley was able to get me very close to my asking price.Always very transparent and open regarding all matters during the entire process.The whole transaction was done while i was in another Country!! Everything went smoothly.You can tell in many ways that she is skilled in the intricacies of Real estate matters from many different standpoints and enjoys what she does.I will definitely use her again in any real estate transactions and would recommend her very highly to anyone seeking to buy or sell a property especially Foreign buyers/property owners.
Mark, happy client
Ashley met and exceeded my every expectation. I could not be more satisfied with the level of effort and commitment she put forth when selling my first property. Communication was far and above the call of duty, and I must admit I was an anxious seller. She dealt with my angst and delivered for me. I would recommend her service without hesitation.
Anna, happy client



Arkansas Real Estate prides itself on supporting clients seeking to buy, sell or invest in property. 

The mission of Arkansas Real Estate is to be the most successful real estate firm in Arkansas for you.  Arkansas Real Estate incorporates proven, professional state of-the-art techniques specializing in the marketing, listing and selling of new and resale luxury homes, residential communities, condominiums, home sites, undeveloped land, commercial and investment opportunities, which is our guarantee to our clients. 

Arkansas Real Estate maintains a full-time staff of well-trained real estate professionals who continually strive to provide top quality service for our individual clients and customers. Arkansas Real Estate is a creative, innovative and people-oriented organization providing individual and personal satisfaction to all clients. 

If you have any questions, feel free to complete the contact form on the “CONTACT US” tab or contact Arkansas Real Estate directly at (501) 960-7390 for a “NO OBLIGATION” consultation.  Call or complete the “Contact Us” tab to find out how to receive a FREE Home Market Analyisis.


Recently, the Obama Administration unveiled a plan that would make the mortgage payments for current homeowners more affordable, allowing them to remain in their homes. The primary goal is to stem the rate of foreclosures, which have swept the nation in recent months.

Available to assist four to five million homeowners who currently have an existing mortgage that is owned by either Fannie Mae or Freddie Mac, the Home Affordable Refinance program allows mortgage refinancing to borrowers with a solid payment history so that they can take advantage of the current low mortgage rates.

Under normal circumstances, these homeowners would not be eligible for mortgage refinance because of the lost value to their homes. To be eligible for this type of mortgage loan modification, the homeowner must have a debt to income ratio (DTI) of not more that 31% on a fixed, thirty-year mortgage.

The federal government will increase this DTI ratio to 38%. 


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