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Mortgage Loans

Purchasing a new home should be a time filled with pride and joy. Ease the stress of getting a mortgage loan by working with a partner invested in your success.

Mortgage Options & Benefits

We offer both a fixed rate mortgage and an adjustable rate mortgage. See below for helpful information about both mortgage options. No matter which you choose, all Bank OZK mortgages are originated by local lenders you know and trust. All mortgage loans are also serviced in-house at Bank OZK.

Need help with your mortgage?

The COVID-19 pandemic has been difficult for homeowners. Bank OZK wants our customers to get the mortgage support they need through a federal Homeowners Assistance Fund. Apply today to see if you qualify for assistance with your primary residence mortgage.
Learn About the Homeowners Assistance Fund

Freedom Advantage Mortgage

With our Freedom Advantage Mortgage, you have the opportunity to qualify for 100% financing or down payment assistance and federal grants.

With an experienced Bank OZK mortgage partner, you can be confident that you are getting the best service and a competitive rate – Freedom Advantage offers you:
  • Up to 100% financing options
  • No Private Mortgage Insurance (PMI)
  • Assistance with down payment and grants available in some areas
  • Available for home refinancing
  • Fixed rate terms

Bank OZK offers this product to all qualified applicants subject to program and underwriting guidelines. To be eligible for the Freedom Advantage Mortgage, the property must be a one- or two-unit detached single family home, townhouse or condominium

  • AND

  • The applicants must meet income restrictions, based on the Metropolitan Statistical Area (MSA) median family income of the property location
  • OR

  • The property location must be in low-to-moderate income (LMI) census tracts within Bank OZK’s Community Reinvestment Act (CRA) Assessment Areas
  • OR

  • The property location must be in a majority-minority census tract (MMCT) in one of Bank OZK’s designated markets.
Want to know more or apply? Contact the lender below nearest to you.
LenderBranch LocationPhone NumberNMLS Number
Victoria SextonLittle Rock, AR501-319-66491745524
Caio RosaMiami, FL305-450-53261273389
Gary DaniellAtlanta, GA404-547-7895165729
Lori MedleyAtlanta, GA678-216-8063166203
Sheri BowmanCornelius, NC704-997-068172595
Christy RossFort Worth, TX682-263-5238567753
Jovanni PulidoFrisco, TX469-365-62222132024
Connect With a Lender

OZK Adjustable Rate Mortgage (ARM)

The OZK ARM comes complete with lenders you know and trust, flexible terms and competitive rates. And your loan stays with Bank OZK!


Bank OZK offers this product to all qualified borrowers and all applicants subject to program and underwriting guidelines. Eligible property types include: one or two unit detached single family house, townhouse or condominium.

Let us help your dream of home ownership come true! To learn more or apply for the OZK ARM, please contact your local Bank OZK branch.

Connect With a Lender

Questions about the servicing of your mortgage with Bank OZK?

Please download this More Information About Loan Accounts document to help answer questions you may have concerning billing statements, credit reporting or other information requests.

For questions about mortgage payments, please contact our Customer Care Team using the form below. Be careful not to include your loan number, SSN or other sensitive information.

Let's Connect

Need assistance with something? Our Customer Care Team is available to help you Monday through Friday from 7am to 7pm CT and Saturday from 7am to 4pm CT.

By submitting this form, you agree to our privacy and terms.

Please do not enter any sensitive information such as SSN or account number in the form below.