Capital Home Mortgage San Jose

San Jose Homes Loans

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San Jose California Mortgage Lender

Home Loans In San Jose, California

San Jose, California, is the largest city in Silicon Valley. The cost of living is naturally higher compared to other cities. You’ll need a San Jose home loan to finance the deal. We can help. 

At Capital Home Mortgage, we help our clients achieve their dream of homeownership in San Jose. We are direct mortgage lenders, meaning we make all the decisions in the loan process. No intermediary involved means quicker processing times and more flexible underwriting policies. 

Are you looking to obtain a home loan in San Jose? Here are a few things you can do to simplify the process. 

Tips For A Smoother Home Loan Process In San Jose

  • Start Your Research Early

Once you’ve decided to purchase a home in San Jose, the next step is to research the market. You’re looking for listings and getting an overview of current market situations. Sometimes, the market favors sellers, so prices are soaring. This won’t be an ideal time to buy. 

Research also includes tracking changes in asking prices and how long available properties last on the market. Do this research early, so it narrows your focus toward the essential considerations in your home buying journey. 

  • Determine How Much You Can Afford

The general rule is to base this on your annual household income. Anything that costs more than three to five times that amount may be too heavy of a loan. 

Some lenders might be unwilling to cover such loans under this circumstance. Those that do may introduce higher interest rates or stricter terms into the agreement. 

  • Clean Up Your Credit 

Lenders evaluate your creditworthiness using your credit score. Anything lower than 670 is no longer classified as good credit, according to Equifax®. This number is even fairer in comparison to ‘good credit’ as defined by Transunion, which starts at 720. 

Of course, it’s possible to get a loan with a lower credit score. For example, FHA home loans have a minimum credit score requirement of only 580. However, the final decision is with the lender. The higher your FICO score, the better a loan term you will get.

  • Talk To A Lender

Get pre-qualified and pre-approved for your San Jose home loan. Both are necessary steps in obtaining a mortgage. Under pre-qualification, the lender looks at some basic info — Identity, income, assets, debts, etc. — and determines if you qualify for a home loan, as well as how much they can extend to you in financing. 

Pre-approval requires more in-depth scrutiny of your borrower profile, including a credit check and verifications of all your information.   

San Jose, California Mortgage Lender 

Capital Home Mortgage offers a long lineup of home loan programs, including Jumbo, Conventional, FHA, HUD 184, and VA loans, at fixed-interest and adjustable-interest rates. 

No matter what type of loan you qualify for, we’re committed to ensuring a smooth home loan process for you. Buying a home should be an exciting, enjoyable experience, after all. 

Find The Right Home Loan In San Jose

Call (323) 767-8899 to contact our home loan specialists in San Jose. We look forward to helping you secure your next San Jose mortgage loan.

Why San Jose is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great San Jose Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

San Jose Customer Service

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

San Jose Mortgage Rates

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

San Jose Home Purchases

Buying a San Jose Home?

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

San Jose Renovation Home Loans

San Jose Rehab Loans

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

San Jose FHA Home Loans

1st Time San Jose Homebuyers

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

San Jose VA Home Loans

100% Loans for San Jose Veterans

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

San Jose Conventional Home Loans

Flexibility for San Jose Buyers

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

San Jose Jumbo Home Loans

Great San Jose Rates

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

San Jose USDA Home Loans

San Jose Rural Properties

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

San Jose Native American Loans

San Jose HUD 184 Loans

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

San Jose Manufactured Home Loans

California Home Loans

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

San Jose Reverse Mortgages

Your California Home at Work

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

San Jose Cash-Out Refinance

San Jose Equity Refinance

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

San Jose Mortgage Refinance

San Jose Rate & Term Refinance

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

San Jose California Mortgage Team

San Jose Mortgage Company Reviews

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