Glendale Arizona Mortgage Lender

Home Loans In Glendale, Arizona

Glendale, Arizona, combines old culture and history with a twist of modern entertainment. The city is known for its array of art galleries, museums, and festivals throughout the year. Real estate in Glendale is starting to pick up again after the pandemic’s activity decline. This is good news for those in the market for a home for sale in the city. But before finding your perfect home, it’s essential to figure out how you’re going to pay for it.  That’s where we come in. At Capital Home Mortgage, we are your trusted direct mortgage lender in Glendale, Arizona. We understand how overwhelming the process can be, especially for first-time home buyers To help you make the best of your initial consultation with a lender, we’ve put together these questions to ask to gain a well-rounded overview of the home loan process and what to expect. 

7 Questions To Ask Your Mortgage Lender In Glendale

     1. What are the available loan options for me?

Depending on your credit score, employment history, and other factors, there are various loan options available to you. Our loan officers will discuss the fundamentals of different home loan programs and help you find the best one for your situation.

     2. What is the interest rate?

The interest rate is one of the most important factors to consider when choosing a home loan, as it directly impacts how much you will pay monthly.  Be sure to ask your mortgage lender what the current interest rate is for the type of loan you are interested in so you know what to expect should your loan application be approved. 

     3. What is the term of the loan?

The loan term is the length of time you have to pay back the loan. Most mortgages have a term of 15 or 30 years, but other options are available. This is an important detail to discuss with your lender as it can impact various aspects of your loan, including amount, interest rate, and monthly amortization. 

     4. How do I qualify for a loan?

There are several general eligibility requirements for home loan applications in Glendale. The biggest ones include having:
  • Steady income
  • Good credit score
  • Low Debt-to-Income ratio
  • Down payment 
  • Mortgage insurance 
The lender might also include other specific requirements, depending on the type of loan. For instance, VA loans are only available to military personnel and their families. If you want to apply for this loan, you must be able to prove that you meet the qualification requirement. 

     5. How much money can I borrow?

The amount of money you can borrow will typically depend on your income and debt levels. 

     6. What are the fees associated with the home loan?

There’s a variety of fees associated with the home loan. Most homebuyers think it’s just the interest rate, but other expenses, such as closing costs and points, can add up quickly. Ask your lender about all the fees associated with the loan. At Capital Home Mortgage, we can charge lower fees because we are a direct lender. We make all the decisions from application to funding, so the process is generally more straightforward. 

     7. What is the process of getting a loan?

The process of getting a loan can be long and complicated. Starting with getting pre-approved till you finally get the keys to your new home, there are a lot of steps involved. But not to worry, as we will be there to provide all the professional guidance you need along the way. 

Glendale, Arizona Mortgage Lender

At Capital Home Mortgage Glendale, we want you to have a stress-free home buying experience. After all, buying a property should be an exciting and joyful time.  We offer an extensive lineup of mortgage products in Glendale, including FHA, VA, Conventional, Jumbo, USDA, and HUD 184 loans.

Get The Perfect Home Loan In Glendale, AZ

With Capital Home Mortgage, obtaining the right home financing product for your needs is just one phone call away. Speak with our loan officers about your home buying needs today. Call (480) 360-6650 to get started.

Why Glendale 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

Glendale 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

Glendale Mortgage Programs

Glendale Home Purchase

Thinking of Buying an Glendale 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

Glendale renovation home loans

Looking to Rehab an Glendale 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

Glendale FHA Home Loans

Great for 1st Time Glendale 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

Glendale VA Home Loans

100% Financing for Glendale 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

Glendale Conventional Home Loans

Flexibility for Glendale 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

Glendale Jumbo Home Loans

Glendale 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

Glendale USDA Home Loans

100% Glendale 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

Glendale Native American Home Loans

Glendale 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

Glendale Manufactured Home Loans

Great Alternative Glendale Housing

Glendale reverse mortgages

Your Glendale 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

Glendale Non QM Home Loans

Making Glendale 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

Glendale One Time Close mortgages

Build Your Glendale 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

Glendale Refinance Mortgage Loans

Glendale 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

Glendale Cash-out Home mortgages

Glendale 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

Glendale 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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