Capital Home Mortgage Tennessee

Memphis Home Loans

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Memphis Mortgage Lender

Home Loans In Memphis 

The famous home of the blues and rock and roll needs no lengthy introduction. There’s something for everyone in Memphis, Tennessee, whether you’re looking for a night out on Beale Street or a quiet afternoon at the Memphis Zoo.

In terms of its real estate, Memphis was recently listed as the number one city where first-time homebuyers are slugging it out with investors for the best home in the country. 

If you’re thinking of moving to Memphis or already live in the city and are looking to buy a home, having a reputable mortgage lender is vital. You want to make sure you’re getting the best deal possible, where Capital Home Mortgage comes in. We are the leading mortgage lenders in Memphis and are committed to ensuring a seamless homebuying experience. 

Let’s share our best tips for buying your dream home in Memphis.

7 Steps To Home Buying 

  • Consider The Loan Types

Mortgages or home loans come in many different types, each with terms, conditions, and repayment options. It’s essential to do your research or inquire with a professional lending company to know which type of home loan best suits you.

  • Get your Documents in Order

Once you know which type of home loan you want, it’s time to begin collecting and preparing the necessary documents. This will include tax returns, pay stubs, bank statements, etc. Your real estate agent or loan officer will walk you through the specific requirements for your loan type. 

Make sure you have a good idea of your credit score before commencing your house hunting. A higher credit score will result in a lower interest rate on your loan.

  • Find a Reputable Lender

At Capital Home Mortgage, we put our clients first. We understand it can be a hassle running around trying to secure financing for your home. You never have to worry about lengthy processes or unnecessary hurdles with us. 

As a direct mortgage lender, we own every step of the home loan process, meaning we can help you get the financing you need without intermediaries or third-party vendors. 

  • Determine Your Budget

One of the most important aspects of taking out a home loan is to make sure you can afford the monthly payments. You’ll need to consider your down payment, interest rate, loan term, etc.

  • Get Pre-Approved

Once you’ve found a lender and know what you can afford, it’s time to get pre-approved for a home loan. This means the lender has looked at your financial situation and has agreed to give you a loan up to a certain amount.

  • Shop Around For The Best Deal

Once you’re pre-approved, it’s time to start shopping for your new home. Keep in mind your budget, and don’t be afraid to negotiate on price.

  • Close On Your Loan

After you’ve found the perfect home and negotiated a price, it’s time to close the deal. This is when the final paperwork is signed, and the loan is funded.

Memphis Mortgage Lender

From start to finish, our team at Capital Home Mortgage Memphis will work with you to ensure an enjoyable home buying experience. We are a full-service mortgage lender providing a complete line of home loan products, competitive interest rates, and low fees. 

Whether it’s an FHA loan for first-time homebuyers or a Jumbo loan for people looking to own expensive Memphis real estate, we are your one-stop resource for home financing. 

Own Your Dream Home In Memphis Today!

Finding the right home loan in Memphis doesn’t have to be complicated. At Capital Home Mortgage, we’ve got you covered. Get started with a free quote by calling our loan officers at (615) 549-5666.

We look forward to providing your next mortgage in Memphis.

Why Memphis is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Memphis Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Memphis Customer Service

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

Memphis Mortgage Rates

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

Capital Home Mortgage Tennessee is dedicated to offering great Tennessee Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Memphis Mortgage Team

Tennessee Mortgage Programs

Memphis Home Purchase

Buying a Memphis Home?

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

Memphis Renovation Home Loans

Memphis Renovation Loans

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

Memphis FHA Home Loans

1st Time Memphis Homebuyers

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

Memphis VA Home Loans

100% Loans for Memphis Veterans

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

Memphis Conventional Home Loans

Flexibility for Memphis Buyers

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

Memphis Jumbo Home Loans

Great Memphis Rates

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

Memphis USDA Home Loans

Memphis Rural Properties

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

Memphis Native American Loans

Memphis Native American Loans

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

Memphis Manufactured Home Loans

Memphis Manufactured Homes

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

Memphis Reverse Mortgages

Your Memphis Home at Work!

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

Memphis Cash-Out Refinance

Memphis Cash-Out Refinance

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

Memphis Mortgage Refinance

Memphis Rate & Term Refinance

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

Memphis Mortgage Company Reviews

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