Capital Home Mortgage Olathe

Olathe Home Loans

Apply Now in Minutes
Refinance Now and Save

Olathe Kansas Mortgage Lender

Home Loans In Olathe, Kansas 

With a population of over 140,000, Olathe is the fourth-largest city in Kansas. The name ‘Olathe’ is a Shawnee Indian word that translates to ‘beautiful,’ an apt description of the town. That’s why Olathe is one of the fastest-growing communities in Kansas. 

Olathe’s housing market has been quite active, so if you’re looking to buy a home here, now is an excellent time to start looking at options. The home buying process can be time-consuming and complex. One of the biggest hurdles to overcome is obtaining financing to close the deal. 

Capital Home Mortgage Olathe can help. Let’s walk you through what you need to obtain home financing. 

What Documents Do I Need To Get A Home Loan In Olathe?

When shopping for a mortgage in Olathe, you’ll need to gather the necessary documents to demonstrate your eligibility as a borrower. While each lender will usually have their specific requirements, be sure to have the following documents ready before getting the process started: 

  • Identification

All borrowers must present a valid picture ID at the time of application to verify their identity. A current driver’s license or state-issued ID should satisfy this requirement.

  • Social Security Card

Like a valid picture ID, a copy of the applicant’s social security card is required. Veterans and service members may use their military card or ID, which states their social security number, instead of an actual social security card.

  • Proof of Income

A 30-day paycheck stub is required for all W2 employees and their last two years’ W2s. If 20% of the borrower’s income comes from commission, the previous two years’ tax returns will be required. 

Self-employed borrowers must present their last two years’ personal and business tax returns and supporting 1099s. They must also provide a year-to-date profit and loss statement. Your tax returns provide a snapshot of your financials for the last couple of years. Lenders use this document to see how their yearly earnings have fluctuated. 

  • Statement of Assets 

All borrowers must show where their source of funds to close on the loan will come from, plus reserves. You will be required to provide your last two months’ bank statements for checking and/or savings. If you have retirement funds, you must provide the latest statement from your retirement account administrator, such as 401k, IRA, CD, etc.

When you have tangible assets in your name, lenders feel more confident in extending your financing. 

During the loan pre-approval stage, the lender will make a hard credit inquiry, so be ready to provide authorization for it.

Olathe, KS Mortgage Lender 

Buying a home can feel overwhelming, especially if this is your first time. Working with an experienced, knowledgeable mortgage lender like Capital Home Mortgage can make all the difference. 

From application to funding, we make all the decisions in the home loan process, allowing us to offer flexible underwriting and faster approvals. We are passionate about what we do, and we go out of our way to ensure an enjoyable home buying experience. 

Get Your Olathe Home Loan Today

Our experienced Olathe loan officers are standing by to provide clarity and insight into the entire home loan process. Let us work with you to secure the right financing for your home purchase today. 

Give us a call at (316) 261-5400 to get started. 

Why Olathe is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Olathe Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Olathe Customer Service

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

Olathe Mortgage Rates

Capital Home Mortgage Olathe is dedicated to offering Great Olathe 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

Olathe Kansas Mortgage Loans

Olathe Home Purchases

Buying a Olathe Home?

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

Olathe Renovation Home Loans

Olathe Rehab Loans

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

Olathe FHA Home Loans

1st Time Olathe Homebuyers

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

Olathe VA Home Loans

100% Loans for Olathe Veterans

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

Olathe Conventional Home Loans

Flexibility for Olathe Buyers

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

Olathe Jumbo Home Loans

Great Olathe Rates

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

Olathe USDA Home Loans

Olathe Rural Properties

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

Olathe Native American Loans

Olathe HUD 184 Loans

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

Olathe Manufactured Home Loans

Olathe Home Loans

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

Olathe Reverse Mortgages

Your Olathe Home at Work

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

Olathe Cash-Out Refinance

Olathe Equity Refinance

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

Olathe Mortgage Refinance

Olathe Rate & Term Refinance

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

Olathe Kansas Mortgage Team

Olathe Mortgage Company Reviews

Kansas Cities

Wichita Home Loans

Overland Park Home Loans

Kansas City Home Loans

Olathe Home Loans

Topeka Home Loans

Lawerence Home Loans

Accessibility Toolbar