Capital Home mortgage Fred White

Client Relations Manager

Thank you for visiting Capital Home Mortgage.  We want to thank you for the opportunity to provide you with your next mortgage loan.  Our goal is simple… To provide a stress free experience with competitive rates, low fees and superior service.  Our concierge approach provides you with direct no nonsense real time answers, timely communication that keeps you, your agent and other parties fully engaged for an on time closing.  Thank you again for giving us the opportunity to serve you.

Our Advantages

  • Dedicated Customer Lending Team
  • Quick Pre-Approvals
  • 48 Hr Loan Commitments
  • 3,6,9,12 Month Options
  • Lock the Rate at Time of Contract
Manufactured Home Loan Benefits
Why HomeBuyers Are Choosing Capital Home MortgagE
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Capital Home 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Capital Home Mortgage Team


Fred White

Business Development
NMLS #9729

Regan Richardson

Sr Loan Officer
NMLS #874048
Patti White

Patti White

LOan Officer Assistant

Brad Rund

Business Dev Manager
NMLS #224674
Manufacuterd Homes




chattel Mortgage Programs

True Home Only

True Home Only

  • Park Set
  • Family Land
  • Personal Land
  • 25 yr Term
  • Minimum Credit Score 550

Land in Lieu

Land Plus

  • Land Free and Clear
  • Includes Set
  • Land = 10% of Project
  • 30 yr Term
  • Minimum Credit Score 550

Conventional Land Home

Land Home

  • Purchasing Land
  • Land w Balance
  • Equity Applied
  • 30 yr Term
  • Minimum Credit Score 550
One Time Close Mortgage Programs

FHA Home loans

1st Time Homebuyer Loans

FHA Home Loans are great for first time buyers, buyers with less than perfect credit or needing less out of pocket. Call today to get started.

  • Smaller Down Payments
  • Higher Debt to Income
  • Gifts Allowed
  • Minimum Credit 620

va Home Loans

100% Financing for Vets

VA Home Loans are 100% Mortgages for Active Duty Servicemen and women, as well as, retired and Disabled Veterans.

  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher DTI
  • Minimum Credit 620

USDA Home loans

100% Rural Home Loans

USDA Home Loans are 100% Mortgages for families wanting to live in rural areas outside of the larger cities.

  • No Down Payments
  • Closing Costs Rolled In
  • Geographic & Income Limits
  • Minimum Credit 620

Hud184 Home Loans

Native American Loans

HUD 184 Home Loans are solely for Native Americans and offer a variety of benefits including low down and higher loan amounts

  • Manual Underwriting
  • Tribal Grants Allowed
  • Geographic Restrictions
  • Minimum Credit 620

Mortgage Calculators

Capital Home Mortgage Reviews

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