gilbert Arizona Mortgage Lender

Home Loans In Gilbert, Arizona

A city thriving in culture and abundant opportunities, Gilbert, Arizona, is a beautiful place to call home. There’s something for everyone here, whether you’re relocating to the city for work and need a starter home or looking to spend your retirement days in this fair city or anything else in between. 

Are you looking to buy a home in Gilbert? You’ll likely need a home loan to get the deal done. Capital Home Mortgage can help you secure the financing you need. Here are some of the different types of home loans available in Gilbert.

Different Types Of Home Loans In Gilbert, AZ

     1. FHA Home Loans

An FHA home loan is insured by the Federal Housing Administration (FHA) under the umbrella of Housing and Urban Development (HUD). It is perfect for first-time homebuyers or those with less than perfect credit. It only requires a minimum down payment of 3.5% and has more relaxed credit requirements than other types of loans. 

Usually, applicants with a credit score below 580 down to 500 may be eligible, provided they can raise a down payment of no less than 10% of the home’s purchase price. 

     2. VA Home Loans

This type of home loan is available to active military members, veterans, and spouses. It is backed by the US Department of Veterans Affairs and offers 100% financing, which means no down payment is required. However, it’s still a good idea to make a down payment to reduce the total loan amount and enjoy more competitive interest rates. 

     3. Conventional Home Loans

A conventional home loan is not backed by the government and typically has stricter credit requirements than other loans. However, it usually comes with a lower interest rate, and you may be able to put down a smaller down payment of at least 3 – 5%. 

Loan applicants who do not meet the eligibility requirements of government-insured home loans often opt for Conventional loans. 

     4. USDA Home Loans

A USDA home loan is an excellent option if you’re looking to buy a home in a rural area. The US Department of Agriculture guarantees this type of loan and offers 100% financing with no down payment required.

     5. Jumbo Home Loans

A jumbo loan is a mortgage used to finance high-priced/luxury homes. Even with a higher interest rate, it still keeps it to a minimum down payment of 20%. This type of loan can be a good option if you’re looking to buy an expensive home in Gilbert.

Capital Home Mortgage also offers a variety of other mortgage products, including renovation home loans, reverse mortgages, HUD 184 native American home loans, and mortgage refinance.

Gilbert, Arizona Mortgage Lender

In addition to helping you find the perfect home loan for your needs, our team at Capital Home Mortgage is here to ensure a smooth, stress-free application process. 

We are direct mortgage lenders, meaning everything from the application to pre-approval to underwriting and even funding of the loan is governed by us. This ensures a more straightforward process and lower fees and competitive interest rates on your chosen loan. 

Find Your Perfect Home Loan in Gilbert, AZ

To start your home loan process today, please call us at (480) 360-6650. Our home loan specialists are happy to discuss your home ownership plans and answer any questions you may have. We look forward to providing your next home loan in Gilbert. https://fb.watch/lgL1IPGNYU/

Why gilbert HomeBuyers are Choosing Capital Home Mortgage

Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Gilbert Arizona Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Gilbert Mortgage Programs

Gilbert Home Purchase

Thinking of Buying an Gilbert Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Gilbert renovation home loans

Looking to Rehab an Gilbert Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Gilbert FHA Home Loans

Great for 1st Time Gilbert Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Gilbert VA Home Loans

100% Financing for Gilbert Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Gilbert Conventional Home Loans

Flexibility for Gilbert Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Gilbert Jumbo Home Loans

Gilbert Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Gilbert USDA Home Loans

100% Gilbert Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Gilbert Native American Home Loans

Gilbert HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Gilbert Manufactured Home Loans

Great Alternative Gilbert Housing

Gilbert reverse mortgages

Your Gilbert Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Gilbert Non QM Home Loans

Making Gilbert Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Gilbert One Time Close mortgages

Build Your Gilbert Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Gilbert Refinance Mortgage Loans

Gilbert Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Gilbert Cash-out Home mortgages

Gilbert Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Gilbert Arizona Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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