Arkansas' Trusted Mortgage Broker
Personalized mortgage resources to meet your specific needs.
The Dowden Mortgage Group is your trusted home-buying partner in Arkansas. Based in Fayetteville, we specialize in helping clients buy a new home with confidence—whether it’s their first house, a growing family’s next step, or a smart investment property. As a boutique mortgage broker, we offer tailored loan solutions including FHA, Conventional, and VA Loans to fit every financial profile.
We also help clients explore refinance options, access untapped home equity, and understand current mortgage rates—all with a focus on expert guidance and a smooth, personalized experience. Our mission is to turn the mortgage process into a powerful step toward financial security and long-term success.
Buy a New Home
Looking to purchase your first home, vacation property, or investment real estate? We offer FHA, VA, and conventional loan options tailored to your financial goals. Our expert team will guide you through every step.
Reverse Mortgages
A Reverse Mortgage (HECM) allows homeowners aged 62+ to convert their home equity into tax-free funds—without monthly mortgage payments. It’s a strategic way to supplement retirement income, establish an emergency fund, or simply gain more financial flexibility.
Rate and Term Refinance
Refinancing your mortgage gives you the chance to take advantage of today’s interest rates. Whether you're looking to reduce your monthly payments, shorten your loan term, or adjust your mortgage structure, we’ll help you find the ideal refinance rate for long-term savings.
Cash-Out Refinance
Leverage your home’s untapped equity to fund renovations, pay off debt, or cover major expenses. Through cash-out refinancing, home equity loans, or lines of credit, we help you unlock your home’s value while keeping your financial plan in focus.
Why Partner With Us?
Local
We are local, founded in Fayetteville Arkansas. Tom moved to Fayetteville Arkansas almost five years ago. He was fortunate enough to work for two very strong companies. However, those companies viewed Northwest Arkansas as a great market, not as their home. He visioned working for a mortgage company that viewed its clients as neighbors and that would pour into the community like a community bank or local financial advisor. "I believe homeownership is not only a foundation for wealth building but also a foundation for community building."
Products & Pricing
As a mortgage brokerage, we have access to multiple loan products and multiple pricing options, whereas a bank is typically limited to their products and their pricing. We are also a boutique mortgage company that is hyper focused on our area. This helps us eliminate high overhead and unnecessary expenses which translates into the ability to offer more competitive pricing.
Expertise
Before moving to Northwest Arkansas, Tom worked for one of the top investment banks in the country, helping to lead their ultra-high net worth lending group. In 2019 he funded 167M in loan volume, making him one of the top loan officers in the country. This experience has given him an expertise that is unique to our area. It has also crafted his approach to the mortgage process, which focuses on education and expert guidance.
Customer Experience
As a boutique mortgage company our process was designed with the customer experience in mind. Unlike other mortgage companies, the Dowden Mortgage Group offers a single point of contact for the customer and business partner. Great communication is the foundation of our business.
Stay informed with expert mortgage insights, video guides, and tips from Tom Dowden—your trusted mortgage broker in Arkansas. Whether you're planning to buy a new home, comparing FHA loans and conventional loans, or exploring current mortgage rates and refinance options, Tom's content helps you make confident, informed decisions.
Explore practical tools like mortgage calculators and stay up-to-date with market trends that impact interest rates, loan products, and more.
Schedule a Consultation – Personalized Mortgage Resources
Part of our process includes a Mortgage Consultation. We want to get to know you! You’re unique. Your mortgage needs will be unique. It’s our goal to listen and provide great, usable information to educate you and give expert guidance to help determine the best mortgage solution for you and your family. Consultations are offered via Google Meet to meet your schedule.
What Our Clients Have to Say
Tom Dowden is the go-to for mortgage needs. He has over 20 yrs experience and knows how to help you navigate the otherwise daunting process.
He helped us make the decision of when to lock the rate so that we got the best one available, but weren’t too early, as they expire.
Professionalism, responsiveness, efficiency, and execution are all key attributes he possesses that put my wife and I at ease during our New Construction home buying process.
There is ‘no hole in his game!’
Jeremy W.
As a first time home buyers couldn’t find a better guidance and support as Tom did for us. Always responsive and helpful. Follow him on LinkedIn he posts great content.
Jessica J.
Tom is amazing. He gets things done fast and professionally and is supportive through the whole process. I highly recommend him!
Meagan R.
The Dowden Mortgage Group NMLS ID # 674189 Consumer Access. Legal & Privacy Policy
Licensed in AR (2636880) | For information purposes only. This is not a commitment to lend or extend credit. Information and / or dates are subject to change without notice. All loans are subject to credit approval. Other limitations may apply.
