Tucson Arizona Mortgage Lender

Home Loans In Tucson, Arizona

Known for its beautiful desert landscape and abundance of outdoor activities, Tucson is the second-largest city in the state of Arizona.  If you’re looking to buy a home in Tucson, the vibrant city offers a lot. Real estate in Tucson is rebounding to pre-pandemic figures and rates. Tucson’s cost of living is around 6% lower than the national average.  Like most people, you’ll likely need a home loan to purchase your dream home in Tucson. We can help. At Capital Home Mortgage, we pride ourselves on delivering an enjoyable, one-of-a-kind home buying experience.  Here’s what you need to know about obtaining a home loan in Tucson. 

4 Important Things To Keep In Mind When Applying For A Mortgage

     1. Decide what kind of home loan you need

There are many different types of home loans available, each with its own set of terms and eligibility requirements. Some of the most common home loans that we offer include FHA, Conventional, VA, USDA, and Jumbo loans We can help you decide which type of loan is right for you based on your financial situation and home buying needs. 

     2. Get your down payment ready

The down payment is the amount of money you’ll put towards purchasing your home upfront. It is one of the most significant factors in getting approved for a home loan.  Every home loan program has its minimum down payment requirement. For instance, the down payment for Conventional loans is at least 3%, whereas a VA loan has a 0% down payment required. In any case, the ideal down payment is 20% of the total home purchase price.

     3. Try to get your credit score up

This is another crucial factor in getting approved for a home loan. Lenders will use your credit score to determine whether you’re a good candidate for a loan. The higher your credit score, the more likely your loan application will be approved. You’ll also likely qualify for a lower interest rate if you have a good credit score. That can save you a lot of money over the term of your loan.

     4. Get pre-approved before house hunting

It’s a good idea to get pre-approved before looking for homes. That way, you’ll know exactly how much you can afford. The pre-approval process involves completing an application with a lender who will pull your credit report and review your financial history. Based on this information, they’ll give you a pre-approval letter. This letter will state the amount of money you’re eligible to borrow. 

Tucson, Arizona Mortgage Lender

Capital Home Mortgage Tucson is here to cater to your home loan needs. In addition to offering various home loan programs, we also provide step-by-step assistance throughout the application process.  As direct mortgage lenders, we control various aspects of the home loan process, including underwriting and setting interest rates. We also provide our services with lower fees since there are no unnecessary third parties involved. 

Get Your Home Loan In Tucson Today!

Whether you’re a first-time homebuyer or looking to refinance your current mortgage in Tucson, our experienced loan specialists are here to provide any assistance needed. Simply call us at (480) 360-6650 to get started. 

Why Tucson 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

Tucson 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

Tucson Arizona Mortgage Programs

Tucson Home Purchase

Thinking of Buying a Tucson 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

Tucson renovation Home loans

Looking to Rehab a Tucson 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

Tucson FHA Home Loans

Great for 1st Time Tucson 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

Tucson VA Home Loans

100% Financing for Tucson 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

Tucson Conventional Home Loans

Flexibility for Tucson 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

Tucson Jumbo Home Loans

Tucson 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

Tucson USDA Home Loans

100% Tucson 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

Tucson Native Home Loans

Tucson 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

Tucson Manufactured Home Loans

Great Alternative Tucson Housing

Tucson reverse mortgages

Your Tucson 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

Tucson Non QM Home Loans

Making Tucson 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

Tucson One Time Close mortgages

Build Your Tucson 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

Tucson Refinance Mortgage Loans

Tucson 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

Phoenix Cash-out Home mortgages

Tucson 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

Tucson 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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