Capital Home Mortgage San Francisco

San Francisco Homes Loans

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San Francisco California Mortgage Lender

San Francisco, California Home Loans

The city of San Francisco is famous for many things, including its notoriously high cost of living. It has been constantly featured among the most expensive cities in the United States for over a decade. 

While owning a home in San Francisco is possible, most people will typically need a mortgage loan to finance the deal. At Capital Home Mortgage, we can help you secure the necessary financing to purchase your dream home in San Francisco. 

To obtain a home loan, you’ll need to have a good enough credit score, in addition to other qualification requirements. 

What’s Considered A Good Credit Score?

There is no absolute figure as the three main credit bureaus — Experian, Equifax, and Transunion — have their respective thresholds for what qualifies as a good credit score. For example, according to Experian, a good credit score starts at 700. On the other hand, Equifax and TransUnion set their threshold for good credit at 670 and 720, respectively. 

If your credit score is nowhere near these benchmarks, you might need to get the number up before applying for a home loan in San Francisco. 

What Are The Biggest Factors Affecting Your Credit Score?

Five main components make up your credit score. If you’re looking to improve your credit score, these are the main areas to focus on: 

  • Payment history

Multiple missed, or late payments will drag your credit score down. Your credit payment history tells lenders if you’re the kind of borrower who makes payments on time and in full. 

An excellent way to stay on top of your credit payments is to enroll them in an autopay facility. It automates your repayments, so you don’t have to worry about missing deadlines.

  • Credit Usage

It is also known as the credit utilization ratio. Basically, how much of your available credit are you utilizing every month? It gives lenders a snapshot of how often you rely on non-cash funds for your regular expenses. 

That’s why maxing out your credit limit all the time is not always a good idea. Using more than 30% of your available credit will lower your credit score. 

  • The Length Of Credit History

The longer the length of your credit history, the better your credit score. Unless you have a compelling reason to close your old credit accounts, don’t be in a hurry to close them. 

  • Credit mix 

There are two types of accounts shown in our credit report: (a) revolving accounts and (b) installment accounts. A good balance and mix of both accounts is a good way to boost your credit scores.

Lenders want to know if you’ve had experience with different types of credit, such as credit cards, auto loans, student loans, and so on. If you’ve only ever used any credit, taking on a new one that you can easily manage may help improve your credit health.

  • Date Of Last Activity

Often referred to as the DLA or Date of Last Activity. The DLA on your credit report is updated every time one of these three things happens: (1) you made a payment, (2) you missed a payment, or (3) an increase in your loan balance.

San Francisco, California Mortgage Lender 

Capital Home Mortgage San Francisco is a full-service, direct mortgage lender. We control all the aspects of the mortgage process, from application to funding. As such, we’re able to offer quicker processing, flexible underwriting, and on-time approvals. 

At Capital Home Mortgage, we make it a point to ensure a more straightforward home loan process for our clients. We’ll work closely with you to find the right mortgage product in San Francisco that best suits your situation. 

Get Your Home Loan In San Francisco, California 

Capital Home Mortgage has got you covered, from Jumbo and Conventional loans to a wide range of government-insured home loan programs. Let us help you become a bonafide homeowner in San Francisco today. Simply call us at  (323) 767-8899 to get started with a free, no-obligation quote on your loan.

Why San Francisco is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great San Francisco Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

San Francisco Customer Service

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

San Francisco Mortgage Rates

Capital Home Mortgage San Francisco is dedicated to offering Great San Francisco 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 Francisco California Mortgage Loans

San Francisco Home Purchases

Buying a San Francisco Home?

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

San Francisco Renovation Home Loans

San Francisco Rehab Loans

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

San Francisco FHA Home Loans

1st Time San Francisco Homebuyers

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

San Francisco VA Home Loans

100% Loans for San Francisco Veterans

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

San Francisco Conventional Home Loans

Flexibility for San Francisco Buyers

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

San Francisco Jumbo Home Loans

Great San Francisco Rates

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

San Francisco USDA Home Loans

San Francisco Rural Properties

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

San Francisco Native American Loans

San Francisco HUD 184 Loans

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

San Francisco Manufactured Home Loans

San Francisco Mobile Home Loans

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

San Francisco Reverse Mortgages

Your San Francisco Home at Work

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

San Francisco Cash-Out Refinance

San Francisco Equity Refinance

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

San Francisco Mortgage Refinance

San Francisco Rate & Term Refinance

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

San Francisco California Mortgage Team

San Francisco Mortgage Company Reviews

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