Capital Home Mortgage San Diego

San Diego Homes Loans

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San Diego California Mortgage Lender

Home Loans In San Diego, California 

Boasting over 260 days of sunshine, long stretches of pristine beaches, and no shortage of world-class attractions, San Diego offers something for everyone. It is the second-most populous city in the state of California. 

As you may expect, the housing market here is hot. If you’re looking to purchase a home in San Diego, we can help you secure the right mortgage product. At Capital Home Mortgage, we work with borrowers to access home financing minus the usual hassles. 

Do you know the right home loan for your needs? Let’s walk you through the standard options.

Types of Home Loans You Can Obtain In San Diego 

  • Jumbo Loans 

Jumbo loans are so named because they exceed the conforming loan-servicing limits set by the Federal Housing Finance Agency (FHFA). These loans are intended for luxury properties that regular government-backed loans cannot cover. They’re also used to finance the purchase of a real estate in high-end neighborhoods. 

Jumbo mortgages typically have higher interest rates, more significant down payment requirements, and stricter underwriting rules. 

  • Conventional Loans 

These loans are not backed by the government, meaning they are originated and serviced by private lenders such as banks and credit unions. They can be classified as conforming or non-conforming. 

Conventional loans typically have a minimum down payment requirement of only 3%. However, any down payment lower than 20% will incur additional charges in private mortgage insurance. 

  • FHA Loans 

Under Housing and Urban Development (HUD) jurisdiction, these loans are named because the government backs them through the Federal Housing Authority (FHA). They’re an excellent choice for first-time borrowers due to their lower credit scores and down payment requirements. 

FHA loans may only be used to finance primary homes — a borrower cannot use them to purchase a second home, an investment property, or a rental property. 

  • VA Loans 

VA loans are also backed by the government, though managed through the U.S. Department of Veteran Affairs. They’re strictly for military personnel, both active and retired. Under this program, there are no loan limits, no down payment requirements, and no mortgage insurance. 

On the flip side, borrowers will have to put up a VA funding fee, which is used to offset the cost of the VA home loan program to taxpayers. 

San Diego, CA Mortgage Lender 

Whether it’s your first or fifth, buying a home is an exciting experience. The biggest hurdle you’ll usually face is obtaining the necessary financing. This is where we come in. 

At Capital Home Mortgage San Diego, we aim to make the home loan process as straightforward as possible. To that end, we offer a wide array of mortgage products so you can be sure of finding something that fits your situation. 

We’re a direct mortgage lender; we handle all the touchpoints in the loan process.  We offer quick loan processing, flexible underwriting, and competitive interest rates. We provide a one-of-a-kind customer service experience every step of the way. 

Get Your Home Loan In San Diego Today 

If you’ve always wanted to own a home in San Diego, California, we can partner with you to make it happen. Simply call (323) 767-8899 to connect with our home loan experts

From all of us here at Capital Home Mortgage, we thank you for considering us as your mortgage lending partner, and we look forward to providing your next San Diego home loan. 

Why San Diego is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great San Diego Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

San Diego Customer Service

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

San Diego Mortgage Rates

Capital Home Mortgage San Diego is dedicated to offering Great San Diego 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

San Diego California Mortgage Loans

San Diego Home Purchases

Buying a San Diego Home?

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

San Diego Renovation Home Loans

San Diego Rehab Loans

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

San Diego FHA Home Loans

1st Time San Diego Homebuyers

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

San Diego VA Home Loans

100% Loans for San Diego Veterans

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

San Diego Conventional Home Loans

Flexibility for San Diego Buyers

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

San Diego Jumbo Home Loans

Great San Diego Rates

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

San Diego USDA Home Loans

San Diego Rural Properties

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

San Diego Native American Loans

San Diego HUD 184 Loans

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

San Diego Manufactured Home Loans

San Diego Home Loans

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

San Diego Reverse Mortgages

Your San Diego Home at Work

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

San Diego Cash-Out Refinance

San Diego Equity Refinance

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

San Diego Mortgage Refinance

San Diego Rate & Term Refinance

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

San Diego California Mortgage Team

San Diego Mortgage Company Reviews

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