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Lewiston Home Loans

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Lewiston Mortgage Lender

Home Loans In Lewiston, Maine

Lewiston may be a small city in Maine, but it has a very competitive housing market due to the influx of new residents in recent years.

Are you interested in purchasing a home in Lewiston, Maine?  If you’re like most homebuyers, getting a mortgage is your first significant step toward homeownership. 

Whether you are a first-time home buyer or an experienced real estate investor, Capital Home Mortgage can help you secure the right financing for your new home.

Essential Questions To Ask Your Mortgage Lender

Your first mortgage application is the most critical one you’ll ever make, especially if you’re still building credit. Finding the appropriate mortgage lender might make all the difference as a first-time borrower.

The following are pertinent questions to ask when in the market for a mortgage lender.

  • What’s your credit score requirement?

Credit score criteria vary by lender and mortgage program. For instance, conventional loans typically require a credit score of 640, whereas borrowers can obtain an FHA loan with a credit score as low as 500.

Having a good credit score might put you in a favorable position when applying for a home loan. On the other hand, a low credit score can result in denial or unfavorable mortgage terms.

  • How do you determine the interest rates?

The interest rate is determined by several factors, including the property’s final valuation, the loan amount, the loan period, the borrower’s income, debt-to-income ratio, and credit rating. Still, interest rates can vary from one lender to another. This is why home buyers should compare quotes from several lenders.

The mortgage professionals at Capital Home Mortgage can assist you in locating mortgage options that fit your budget and demands.

  • Do you offer a mortgage rate lock?

A mortgage lock guarantees that the interest rate stays the same for a specific period, usually between the loan application/approval and closing. If you are offered a 3.50 percent interest rate, any increase until the loan is closed will not affect the rate offered initially.

A mortgage lender that offers a rate lock is a considerable advantage, as small rate hikes significantly influence your future interest payments. Generally, you can lock your rate for 30 – 45 days, which should be sufficient time to complete the process and close your mortgage.

  • May I prequalify or get pre-approved for a mortgage?

Mortgage prequalification and preapproval can expedite and simplify your search for a home. Prequalification for a mortgage is a less formal process where the lender provides a general estimate of the loan amount.

If you want to be in a better position with a property seller, we suggest getting pre-approved by a lender. You need to present required documents such as W-2s, bank statements, and tax returns, among others. Once pre-approved, the lender will give you a pre-approval letter that you can present with your offer. This will prove to the seller that you can secure funding.

Lewiston, Maine Mortgage Lender

Capital Home Mortgage can assist you through the entire mortgage process, ensuring that no time is wasted on insignificant matters.

As a direct mortgage lender in Lewiston, our loan process, from application to funding, is often faster and more streamlined than other providers. This unique position also allows our clients to offer reasonable interest rates, low processing fees, and flexible underwriting.

Start Your Application for A Home Loan In Lewiston!

The mortgage professionals at Capital Home Mortgage can assist you in locating mortgage options that fit your budget and demands.

To find out more about our mortgage products and offers, contact (207) 910-6282. Our experienced and professional loan officers will be more than happy to assist you and provide expert mortgage advice.

Why Lewiston is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Lewiston Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Lewiston Customer Service

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

Lewiston Mortgage Rates

Capital Home Mortgage Lewiston is dedicated to offering Great Lewiston 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

Lewiston Maine Mortgage Loans

Lewiston Home Purchase

Buying a Lewiston Home?

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

Lewiston Renovation Home Loans

Lewiston Rehab Loans

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

Lewiston FHA Home Loans

1st Time Lewiston Homebuyers

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

Lewiston VA Home Loans

100% Loans for Lewiston Veterans

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

Lewiston Conventional Home Loans

Flexibility for Lewiston Buyers

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

Lewiston Jumbo Home Loans

Great Lewiston Rates

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

Lewiston USDA Home Loans

Rural Lewiston Properties

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

Lewiston Native American Loans

Lewiston HUD 184 Loans

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

Lewiston Manufactured Home Loans

Lewiston Mobile Home Loans

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

Lewiston Reverse Mortgages

Your Lewiston Home at Work!

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

Lewiston Cash-Out Refinance

Lewiston Equity Refinance

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

Lewiston Mortgage Refinance

Lewiston Rate & Term Refinance

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

Lewiston Main Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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