Looking to Refinance

You invest in your home month after month, year after year - and the equity that builds up over time can be the key to achieving your goals today. Refinancing your home at a lower interest rate can save you money every month, or shorten the duration of your loan, giving you more flexibility for the future.

Let's get started:


Apply for your loan! Here's how:

Complete your loan application, which can easily be done online. To get started, view the application here. We'll order a property appraisal for you at the appropriate time.

Your loan is approved and funded.

Your escrow/title company will handle the funding of your loan, along with many other factors that make your refinance go smoothly. We will coordinate with the escrow team and you'll sign the final papers at their office. It’s simple, straightforward, cost effective and FAST!


From the Ground Up: Hammer & Chisel

Champagne and a business partner formed Hammer & Chisel in 2004. Today, he is sole owner, and enjoys the challenge of creating structures that combine the visions of his clients with the old-world designs he incorporates into his designs. Read More

2016 Trends for Arkansas Gardens

Gardening has always held a special place in the hearts of Southerners, and Arkansans are no exception. We have a long history in taking pride in our curb appeal, so to speak. Read More