Capital Home Mortgage Fresno

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Fresno California Mortgage Lender

Home Loans In Fresno, California 

Covering over 110 square miles in the San Joaquin Valley, Fresno is the fifth-most populous in California. Fresno is a bustling hub with many attractions, including the famous Yosemite National Park, best known for its idyllic waterfalls. 

The housing market in Fresno has had its ups and downs. Still, it offers many potential homeowners the chance to live in the Golden State at more affordable rates than cities like San Francisco, San Jose, and Los Angeles. 

Are you looking to buy a home in Fresno? Here are our best tips for streamlining the process and finding the perfect property. 

Fresno Home Buying Made Simple With Capital Home Mortgage 

Buying a home is a vast, exhilarating deal, even though it can often be a lengthy process. Before taking the plunge, use these tips to guide your decision-making so you’re better prepared for the various stages in the home buying process.

  • Understand How Much You Can Afford

If you’re like most people, a home purchase is likely to be the most expensive financial outlay in your lifetime. So before you start looking at listings, it’s essential to establish how much you can afford. 

Work out the loan amount needed and how much you’ll need to pay every month. Compare these figures against your monthly income and expenses. To save time, you can use our mortgage calculator

  • Factor In Other Costs

Mortgage payments are just one of many costs when buying a home. You’ll also need to factor in the remaining costs, such as property tax, inspection fees, homeowner’s insurance, Homeowners Association (HOA) dues, and even basic upkeep.

Take note of interest rates and any add-on charges that may apply to your loan. For instance, if you’re applying for a conventional home loan with a down payment lower than 20%, you’ll need to pay private mortgage insurance. 

  • Be Realistic With Your Selections

We all have an idea of what would make a perfect house. However, while we can be picky, it’s vital to remain realistic when house hunting. Prioritize the most important features to you and let minor considerations slide. 

An excellent way to do this is to visualize yourself in the home over the long term. Most home loans have terms ranging from 10 to 30 years if you can see yourself comfortably making repayments on a particular property that you like over this period. 

  • Improve Your Chances Of Securing The Mortgage Loan

There are several factors to consider here, but two areas that require special attention are your credit score and the down payment. 

If your current credit score is below 620, try to get it up before applying for a home loan. Also, aim to raise a sizable down payment even if the loan you’re applying for has a 0% down payment requirement. 

Fresno, California Mortgage Lender 

Capital Home Mortgage can help you secure the financing you need if you’re looking to obtain a home loan in Fresno. We offer various home loan programs, including FHA, VA, HUD 184, Jumbo, and Conventional loans

We are a full-service, direct mortgage lender, so we can afford to be more flexible with our underwriting policies and offer competitive interest rates and lower processing fees.  

Get Your Home Loan In Fresno 

At Capital Home Mortgage, we aim to make your home buying process in Fresno as stress-free as possible. Get in touch with our loan officers by calling (323) 767-8899. We would love to hear from you and provide your next Fresno home loan. 

Why Fresno is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fresno Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fresno Customer Service

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

Fresno Mortgage Rates

Capital Home Mortgage Fresno is dedicated to offering Great Fresno 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

Fresno California Mortgage Loans

Fresno Home Purchases

Buying a Fresno Home?

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

Fresno Renovation Home Loans

Fresno Rehab Loans

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

Fresno FHA Home Loans

1st Time Fresno Homebuyers

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

Fresno VA Home Loans

100% Loans for Fresno Veterans

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

Fresno Conventional Home Loans

Flexibility for Fresno Buyers

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

Fresno Jumbo Home Loans

Great Fresno Rates

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

Fresno USDA Home Loans

Fresno Rural Properties

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

Fresno Native American Loans

Fresno HUD 184 Loans

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

Fresno Manufactured Home Loans

Fresno Mobile Home Loans

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

Fresno Reverse Mortgages

Your Fresno Home at Work

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

California Cash-Out Refinance

Fresno Equity Refinance

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

Fresno Mortgage Refinance

Fresno Rate & Term Refinance

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

Fresno California Mortgage Team

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