Josh Munoz - Mortgage Loan Officer

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United States
Fort Smith, AR
Josh Munoz - Mortgage Loan Officer

Mortgage Lending NMLS # 1587517

07/02/2026

There are lots of reasons you might choose a mortgage with no down payment:
- You don't have $20,000+ save up
- You need your savings for improvements to the home, moving costs, etc.
- You'd rather invest that money than spend it
And many more. Ask me how to get a $0 down loan!

05/07/2026

I'm so excited for this offer! Not only can I help you get into the home you're dreaming of with a payment you can manage, I can save you money on closing. Tell your friends, tell your kids, tell your parents. If you want to find your home this spring, I'm ready to help!

03/17/2026

If closing costs feel confusing or overwhelming, you’re not alone — most homebuyers feel the same way at first.

Closing costs are the fees required to complete your home purchase, usually adding up to around 2–5% of your loan amount. These costs are paid at closing, not monthly.

I'm here to break it all down, answer your questions, and guide you through the process so there are no surprises along the way.

02/27/2026

It's a great time to be home shopping! If you're in the market for a house this spring, come chat with me! I'll help you find the right loan for your home and your money, and might be able to get you this limited-time offer: $850 off of your closing costs.

02/21/2026

We will be here all weekend!

02/17/2026

Calling all resident doctors! Ready to settle into your own home during residency? This limited-time 5/1 ARM offer is perfect for you:
- Excludes student loan debt
- No Private Mortgage Insurance
- $0 down payment options available
DM me if you're interested in learning more!

02/12/2026

What if your dream home isn’t even on the market? Maybe it’s not, because you haven’t built it yet! A construction loan can open up a whole new world of homebuying possibilities! Here’s how they work.

12/23/2025

Wishing you and your Family a Very Merry Christmas!

12/16/2025

Looking to buy a home in Arkansas?
United Federal Credit Union has partnered with the Arkansas Development Finance Authority (ADFA) to offer up to $15,000 in Down Payment Assistance for qualifying buyers.
✅ Purchasing a primary residence in Arkansas
✅ Meet income qualifications
✅ Minimum FICO score of 640
✅ Qualify for a mortgage
Programs are available for both first-time and repeat homebuyers.
Ask me about down payment assistance—I’m ready to help!

11/26/2025

Wishing everyone a safe and happy Thanksgiving!

Address

5800 Rogers Avenue
Fort Smith, AR
72903

Telephone

+14797854331

Website

http://www.unitedfcu.com/josh-munoz

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