Home › Zack Lovett, Loan Officer in Little Rock, AR
Whether you are buying your first home in Arkansas, moving up, or refinancing what you already own, you get a straight answer, a real timeline, and a lender who picks up the phone.
★★★★★ 4.72 average • 402 verified client reviews
Testimonials
4.72 ★★★★★ from 402 verified client reviews View all testimonials →
I can't say enough good things about Zack! He made the home-buying process smooth, easy, and stress-free. He worked hard to get me approved for my house, kept me informed every step of the way, and was always there to answer my questions.
Zack was diligent and hardworking. He got us approved for our VA loan and stayed in constant contact making sure everything was going well.
Zack was great! We could not ask for better service.
Zack Lovett did a great job with my loan. Always a pleasure working with him.
Working with Zack at Primary Residential was an incredible experience from start to finish. As someone navigating the mortgage process, I had a lot of questions, but Zack was always patient, incredibly knowledgeable, and quick to respond.
I can't say enough good things about Zack! He made the home-buying process smooth, easy, and stress-free. He worked hard to get me approved for my house, kept me informed every step of the way, and was always there to answer my questions.
Zack was diligent and hardworking. He got us approved for our VA loan and stayed in constant contact making sure everything was going well.
Zack was great! We could not ask for better service.
Zack Lovett did a great job with my loan. Always a pleasure working with him.
Working with Zack at Primary Residential was an incredible experience from start to finish. As someone navigating the mortgage process, I had a lot of questions, but Zack was always patient, incredibly knowledgeable, and quick to respond.
Reviews collected and verified by Experience.com.
Mortgage Loan Officer, Primary Residential Mortgage, Inc.
Not a call center, not a queue. From the first pre-approval conversation to the closing table you work with the same person, and you get updates before you have to ask for them. Realtors and builders across central Arkansas send clients here for exactly that reason.
Rural development limits in Faulkner County, VA entitlement at Little Rock AFB, first-time buyer assistance through ADFA — these are local programs with local rules. Knowing which one fits your file is the difference between a good rate and the right loan.
About Zack
Straightforward, responsive, and in your corner from application to keys.
“I love applying for a mortgage,” said no one, ever. It is paperwork, it is your credit, and it is the largest purchase most people ever make. Working with a lender you actually trust is what turns that from stressful into simple.
I have spent my career here in central Arkansas helping buyers, homeowners and investors get financed — and explaining the parts nobody else bothers to explain.
Conventional, FHA, VA, USDA, jumbo, renovation, construction and refinance — I work in all of the major programs, which means I can tell you honestly which one actually fits instead of steering you to the only one on the shelf.
Buying for the first time or restructuring what you owe, the goal is the same: the lowest total cost you qualify for, closed on time.
My goal with every client is never to create a “former client,” but to be the person you call in seven years when rates move or you outgrow the house. That only works if the first experience was a good one.
Do not take my word for it — read the 400+ reviews clients have left, then call me and see if it matches.
Loan Programs
Licensed in Arkansas and backed by Primary Residential Mortgage, a national lender in business since 1998.
Low down payment options and ADFA assistance programs built for people buying their first place in Arkansas.
The workhorse loan. As little as 3% down for qualified buyers, with mortgage insurance that drops off.
Flexible credit and down payment requirements, backed by the Federal Housing Administration.
Zero down and no monthly mortgage insurance for eligible veterans, active duty and surviving spouses.
100% financing in eligible areas — which covers far more of Arkansas than most buyers expect.
Financing above conforming loan limits for higher-priced homes, with competitive fixed and ARM terms.
Lower your rate, shorten your term, drop mortgage insurance, or pull cash out of the equity you have built.
Finance the purchase and the work in one loan, or build from the ground up on your own lot.
Resources
Everything you need before you start — and while you are under contract.
Six steps from pre-approval to keys, with what happens at each one and how long it really takes.
Explore The ProcessEstimate your monthly principal, interest, taxes and insurance before you tour a single house.
Use The CalculatorCompare conventional, FHA, VA and USDA side by side to see which one your situation actually fits.
See Loan OptionsThe paperwork every underwriter asks for — gathered up front so your file never stalls.
Request The ChecklistStill Looking
Getting pre-approved first tells you exactly what you can offer — then the fun part starts. These are the search tools and market reports I point central Arkansas buyers to.
Payment Calculator
Adjust the numbers below for a quick estimate. Then call me and we will build the real one.
Estimated Monthly Payment
Loan amount — • 0% down
Estimate only. Does not include mortgage insurance, and is not a loan offer, commitment to lend, or a quote of terms. Actual payment depends on credit, program, property and current market rates.
What Makes Us Different
Primary Residential Mortgage has been financing homes since 1998 and lends in nearly every state. You get the programs and pricing of a national lender with a loan officer who lives and works in your market.
Loan Officer • NMLS #129506
Tell me a little about what you are trying to do and I will get back to you the same business day.
