Capital Home Mortgage Little Rock

Little Rock Homes Loans

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Little Rock Arkansas Mortgage Lender

Home Loans In Little Rock, Arkansas

Welcome to Capital Home Mortgage Little Rock. Located along the south bank of the Arkansas River, Little Rock is the most populous city in Arkansas. The bustling capital city is a hub of economic activities and popular attractions, including the famous William J. Clinton Presidential Library and Museum. 

According to Forbes, the city’s real estate market is getting hotter, especially as more working-class families and millennials move south in search of affordable housing. Are you one of them? 

Capital Home Mortgage Little Rock is your trusted partner on the road to homeownership. If like most people, you need a home loan to finance your home purchase in Little Rock, AR, we can help. First things first, you’ll need to get pre-approved for a mortgage. 

Steps To Getting Your Mortgage Pre-Approval

1. Know When To Get Pre-approved

The best time to get pre-approved for a home loan is right before you begin home hunting. This way, you already know how much mortgage you can expect to take out, which helps narrow your focus on home options within your current financial capacity. More importantly, it shows agents and home sellers that you’re a serious buyer. 

2. Gather The Necessary Documents 

Getting pre-approved is essentially like filing a mortgage application. This means that the lender will need to review your finances thoroughly. Be prepared to provide relevant documents, such as:

  • Identification
  • Pay stubs
  • Bank statements
  • Social Security number
  • W-2 statements
  • Benefits Letter (if applicable)
  • Final Divorce Decree (if applicable)

3. Monitor And Check Your Credit 

Mortgage pre-approval usually involves the lender making a hard inquiry into your credit. They’ll look at your credit history, credit score, and other relevant details to see how well you have managed credit in the past. 

After reviewing all the documents, the lender will check your credit then decide if you are a credit-worthy borrower and whether you’ve been pre-approved. The pre-approval letter will also contain detail regarding what types of loans you may be approved for, as well as the loan amount estimate. 

Remember that getting pre-approved is not a guarantee that the loan application will be approved. 

Important Note: Pre-Approval Doesn’t Last Forever

Getting pre-approved today doesn’t automatically mean you can use the same letter for house hunting six months from now. The expiration date varies from lender to lender, but in most cases, pre-approvals are only valid for 60 to 90 days. 

If you’re unable to find a suitable house for sale during that period, you’ll need to request a renewal from the lender. 

Little Rock, Arkansas Mortgage Lender

At Capital Home Mortgage Little Rock,  we understand that purchasing a home is the most significant decision that most people will make in their lifetime. That’s why we provide dedicated points of contact throughout the entire mortgage process to ensure a smooth, stress-free experience.

Capital Home Mortgage controls the lending process from start to finish as a direct Little Rock Mortgage Lender. Thanks to our in-house processing and underwriting, we can provide quick approvals and on-time closings on home loan applications. 

Find The Right Little Rock Home Loan For Your Needs

Capital Home Mortgage is a full-service Little Rock Mortgage Company providing a complete line of home loan programs along with excellent mortgage rates. Call us now at (501) 588-7399 to speak with our loan officers about your mortgage needs. 

Whether you are a first-time homebuyer looking to get an FHA Home Loan, active duty or retired veteran needing a VA Home Loan, or a seasoned buyer needing a Conventional Home Loan, we are here to help.  

Thank you for your interest in Capital Home Mortgage Little Rock, and we look forward to providing your new mortgage.

Why Little Rock is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Little Rock Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Little Rock Customer Service

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

Little Rock Mortgage Rates

Capital Home Mortgage Little Rock is dedicated to offering Great Little Rock 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

Little Rock Arkansas Mortgage Loans

Little Rock Home Purchases

Buying a Little Rock Home?

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

Little Rock Renovation Home Loans

Little Rock Rehab Loans

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

Little Rock FHA Home Loans

1st Time Little Rock Homebuyers

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

Little Rock VA Home Loans

100% Loans for Little Rock Veteran

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

Little Rock Conventional Home Loans

Flexibility for Little Rock Buyers

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

Little Rock Jumbo Home Loans

Great Little Rock Rates

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

Little Rock USDA Home Loans

Little Rock Rural Properties

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

Little Rock Native American Loans

Little Rock HUD 184 Loans

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

Little Rock Manufactured Home Loans

Little Rock Mobile Home Loans

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

Little Rock Reverse Mortgages

Your Arkansas Home at Work

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

Little Rock Cash Out Refinance

Little Rock Equity Refinance

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

Little Rock Mortgage Refinance

Little Rock Rate & Term Refinance

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

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