Capital Home Mortgage Sacramento

Sacramento Homes Loans

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Sacramento California Mortgage Lender

Home Loans In Sacramento, California 

Welcome to Capital Home Mortgage Sacramento. Sacramento is California’s capital and the sixth-largest city in the state. Its real estate market has performed well, even with the fluctuations caused by the pandemic. 

As a fast-growing major city, more and more people are relocating from the super-expensive Bay Area to find reasonably priced homes in Sacramento. It means homeownership here is expected to rise shortly. 

If you’re looking to purchase a home in Sacramento, Capital Home Mortgage can help you obtain the necessary funding to seal the deal. We are a direct mortgage lender offering a wide selection of home loan programs for Sacramento residents. As long as you meet the eligibility requirements, you can expect a streamlined mortgage loan process from application to funding. 

Things You Can Do To Improve Your Home Loan Eligibility In Sacramento 

  • Enhance Your Credit Score

Having an excellent credit score is a surefire way to boost your chances of getting approved for a home loan. To achieve that, you’ll need to be responsible for your credit. This means making your monthly repayments on time, paying the amounts due in full, and maintaining a credit utilization ratio below 30%, among others. 

Aim for a credit score over 670 as this is the threshold set by most credit bureaus. That being said, some loans may have a lower credit score requirement, so it’s worth exploring those as well. For instance, the minimum FICO credit score for FHA home loans has been set at 580. 

  • Opt For A Joint Home Loan

If you have multiple members in your family who are earning steady incomes, consider applying for a joint home loan with them. For instance, you could file a joint application with your spouse or parent. It considerably improves your home loan eligibility because it means stronger security for the loan. 

Additionally, co-borrowing divides the repayment burden. If your co-borrower has a good credit score, you may be able to obtain the loan at more favorable terms. 

  • Clear Your Debt Obligations

When evaluating your Sacramento home loan application, lenders will consider your other debt obligations. They do so by checking your Debt-to-Income ratio. This ratio is expressed as a percentage and measures how your income is channeled towards debt repayments. Good DTI back-end ratio should not exceed 45%. 

  • Save Up For A Higher Down Payment

Most home loans are not designed to finance 100% of the loan amount. You’ll need to pay a down payment, and the lender will finance the remaining amount. The higher your down payment, the lower the loan amount will be, which is a good thing because it effectively lowers how much you’ll need to repay. 

  • Choose The Right Lender

If you are new to credit, you might be better off working with a mortgage lending company than with a bank. These companies have in-house models that allow for flexible underwriting, competitive interest rates, and lower fees. 

Sacramento, California Mortgage Lender 

Are you looking to obtain a home loan in Sacramento? Capital Home Mortgage is here for you. 

Whether you’re a first-time borrower exploring FHA loans, a seasoned investor considering a Conventional loan, a borrower in good credit standing looking to obtain a Jumbo loan, Capital Home Mortgage has the home loan program for your needs. 

If you are a veteran in need of a VA home loan, we can help you secure the financing you need to achieve your dreams of becoming a homeowner in Sacramento. 

Get Your Home Loan In Sacramento, CA

Buying a home in Sacramento doesn’t have to be a nerve-wracking ordeal. Let our mortgage experts work with you today to help ensure an enjoyable home buying experience. Give us a call at (323) 767-8899 to get started.

Why Sacramento is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Sacramento Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Sacramento Customer Service

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

Sacramento Mortgage Rates

Capital Home Mortgage Sacramento is dedicated to offering Great Sacramento 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

Sacramento California Mortgage Loans

Sacramento Home Purchases

Buying a Sacramento Home?

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

Sacramento Renovation Home Loans

Sacramento Rehab Loans

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

Sacramento FHA Home Loans

1st Time Sacramento Homebuyers

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

Sacramento VA Home Loans

100% Loans for Sacramento Veterans

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

Sacramento Conventional Home Loans

Flexibility for Sacramento Buyers

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

Sacramento Jumbo Home Loans

Great Sacramento Rates

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

Sacramento USDA Home Loans

Sacramento Rural Properties

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

Sacramento Native American Loans

Sacramento HUD 184 Loans

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

Sacramento Manufactured Home Loans

Sacramento Home Loans

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

Sacramento Reverse Mortgages

Your Sacramento Home at Work

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

Sacramento Cash-Out Refinance

Sacramento Equity Refinance

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

Sacramento Mortgage Refinance

Sacramento Rate & Term Refinance

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

Sacramento California Mortgage Team

Sacramento Mortgage Company Reviews

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