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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Military Veteran, mortgage lender, and accomplished Area Sales Manager . With over 30 years in the finance industry, I specialize in assisting first time homebuyers . As a licensed Team leader in multiple states, I bring leadership and expertise to guide teams to success.  In my spare time I also love all things outdoors, hiking, biking, and I have a large family I enjoy spending time with.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
4.98
5.0
Roy
Jun 25, 2025
Rogers, AR
Verified

Charity is awesome to work with!
Jean D
Jun 22, 2025
Verified

Charity was wonderful to work with. She was very knowledgeable and explained everything to me so I understand the process. She kept me updated along the way so I knew exactly what was happening. I highly recommend her!
Jean
Jun 19, 2025
Pea Ridge, AR
Verified

Charity was wonderful to work with. She was very knowledgeable and explained everything to me so I could understand the process. She kept me updated along the way o I knew exactly what was happening. I highly recommend her!
Alexandrea
May 12, 2025
Elkins, AR
Verified

Charity was amazing and very patient for our first time buying a home. she went above and beyond to make sure we had what we needed.
Rachel R
May 06, 2025
Verified

Charity Cummings is the ABSOLUTE BEST!! the first house I was under contract on fell through. Charity got my new house closed in NINE days. She is amazing at communication and ensured I understood every figure and cost associated with my loan. She worked so hard to get my close done on a super tight timeframe. I would not hesitate ro to recommend her to anyone seeking a mortgage loan! She gave gold star service which is almost impossible to find in the world today. I appreciate her professionalism, dedication, and knowledge.
A Google U
Apr 18, 2025
Verified

Highly responsive and knowledgeable about mortgage programs

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #404245
I am authorized to do business in the states of Alabama, Arkansas, Missouri and Washington.