Mortgage Home Buying | CNext - Century Next Bank | Lincoln | Ouachita | Ashley County

CNext Mortgage

Home Buying

Mortgage → Home Buying

CNext Mortgage provides a positive, helpful home-buying experience. We offer four types of home loans, and each has slightly different qualification requirements based largely on credit, income, and down payment requirements. Our mortgage team is local, so we’re just a phone call away. When approved, we can process and underwrite your loan in-house, which provides a simple, streamlined experience.

Home Purchase Loan Types:

  • Conventional loans are one of the most popular mortgage types.  It may require a higher down payment and higher credit score than other mortgage types. It is not backed by a government agency.
  • FHA loans offer lower minimums for down payment and credit score, while allowing a higher debt-to-income ratio.
  • USDA Rural Development loans offer up to 100% financing for properties in eligible rural areas as designated by the USDA.
  • VA loans are a good option for veterans, servicemembers, and eligible surviving spouses.  VA loans offer up to 100% financing.


We offer:

  • Conventional, FHA, VA, and Rural Development Loans
  • Competitive rates
  • A variety of terms to fit your needs
  • Pre-qualifications for better buying power
  • Prompt credit decisions made locally
  • No pre-payment penalties
  • Refinancing
  • Personal, local service
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Home Buying Frequently Asked Questions

  1. How much down payment is needed to purchase a home?

    The old thinking that you need 20% down to purchase a home is just not the case anymore. USDA and VA loans offer 100% financing of the purchase price of the home. FHA and Conventional loans require a 3.5% and 5% down payment respectively.

  2. How much house can I afford/qualify for?

    The mortgage amount that you qualify for/afford depends on a whole range of factors including income, debt-to-income ratio, your credit score, down payment, etc. Because each person’s situation is different, it is so important to work directly with a mortgage specialist. Our mortgage experts are local in Arkansas and Louisiana and can process, underwrite, and approve your loan in-house.

    If you would like to get an “estimate” of how much your monthly mortgage payment would be given different mortgage amounts, down payments, interest rates, and mortgage terms, check out our mortgage calculator.

  3. How do I get prequalified for a mortgage?

    The quickest and easiest way to obtain pre-qualification with Century Next Bank is to fill out and submit our online application. Once you submit your application, one of our mortgage lenders will receive instant notification of your submission and will begin reviewing your prequalification request.

Our Lenders

Connie Kelley ProfileConnie Kelley Vice President, Commercial/Mortgage Lender NMLS ID: 925049870-364-1377
Jenifer McManus ProfileJenifer McManus Mortgage Originator NMLS ID: 1110806318-232-1490
Matt Winkelpleck ProfileMatt Winkelpleck Senior Vice President, Lending NMLS ID: 424265318-232-1486