Capital Home Mortgage Fayetteville

Fayetteville Homes Loans

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Fayetteville Arkansas Mortgage Lender

Home Loans In Fayetteville, Arkansas 

Welcome to Capital Home Mortgage Fayetteville. Fayetteville is the second-largest city in the state of Arkansas. Indeed, the city is a gem. The National Association of Realtors even named Fayetteville one of the “Hidden Gems” of the housing market for 2022.

Fayetteville is a beautiful city to raise a family or kick off a good start. Of course, you need to get settled first and find a house that you can call your home. Prices of homes differ, and not everyone has enough cash to pay the selling price right away. Now is the best time to think about getting a home loan.

Different Types of Home Loans in Fayetteville

Mortgages come in different forms. Let’s go through the everyday mortgage products in today’s market.

  • Conventional Loans

These loans are well-suited for borrowers with good to excellent credit scores. At a minimum, a FICO score of 620 is required to qualify for a conventional loan. If you don’t have at least a 20% down payment, the lender will require private mortgage insurance to protect them from default. 

  • FHA Loans

A loan insured by the Federal Housing Administration (FHA) gives more leeway for people with a not-so-good credit history. Depending on your available cash for a down payment, an FHA loan can cater to people with FICO scores down to 500. FHA home loans have an FHA mortgage insurance premium as part of the offering.

  • VA Loans

Active-duty personnel, reservists, retired veterans, or surviving spouses can get a home loan from the U.S. Department of Veterans Affairs. A VA home loan caters primarily to military borrowers, offering more generous and compassionate VA loan terms. There are no loan limits, no imposed credit score requirements, and zero down payment required.

  • USDA Loans

If you live in rural areas, the U.S. Department of Agriculture (USDA) can guarantee loans to people who are low to median-income earners. Like VA loans, USDA home loans don’t have loan limits and imposed credit score requirements. However, eligibility for a USDA loan will depend on your total household income and whether it is below the median household income in the area.

Fayetteville, Arkansas Mortgage Lender

Do you already know which type of home loan to get? Our mortgage experts at Capital Home Mortgage can help you browse through the various home loan programs available in detail. We pride ourselves on making your home buying experience as stress-free as possible. We want you to enjoy homeownership. 

As direct mortgage lenders, we control every touchpoint in the home loan process. This enables us to provide you with the best mortgage product to suit your needs. We’re also able to provide flexible underwriting and competitive interest rates. 

Find The Right Home Loan In Fayetteville 

Finding the right financing to secure your dream home in Fayetteville doesn’t have to be complicated. Partner with Capital Home Mortgage today to make it a reality. Give us a call now at (501) 588-7399 to get in touch with our experienced loan officers.

We’re happy to get you started with a quick, no-obligation quote for your Fayetteville home loan.

Why Fayetteville is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fayetteville Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fayetteville Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Fayetteville Mortgage Rates

Capital Home Mortgage Fayetteville is dedicated to offering Great Fayetteville Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

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

Fayetteville Arkansas Mortgage Loans

Fayetteville Home Purchases

Buying a Fayetteville Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Fayetteville Renovation Home Loans

Fayetteville Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Fayetteville FHA Home Loans

1st Time Fayetteville Homebuyers

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

Fayetteville VA Home Loans

100% Loans for Fayetteville Veteran

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Fayetteville Conventional Home Loans

Flexibility for Fayetteville Buyers

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

Fayetteville Jumbo Home Loans

Great Fayetteville Rates

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

Fayetteville USDA Home Loans

Fayetteville Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Fayetteville Native American Loans

Fayetteville HUD 184 Loans

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

Fayetteville Manufactured Home Loans

Fayetteville Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Fayetteville Reverse Mortgages

Your Fayetteville Home at Work

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Fayetteville Cash Out Refinance

Fayetteville Equity Refinance

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

Fayetteville Mortgage Refinance

Fayetteville Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

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