Capital Home Mortgage Mississippi

Olive Branch

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Olive Branch Mortgage Lender

Home Loans In Olive Branch, Mississippi

Whether you’re a first-time homebuyer or a seasoned investor, the mortgage approval process can feel intimidating without a clear road map and an experienced team on your side.

Updated program guidelines, mortgage rate issues, and down payment criteria are just some of the factors to consider when obtaining mortgage financing for a new home or refinance.

How To Purchase A Home In Olive Branch

Unless you have hundreds of thousands of dollars lying around, taking out a mortgage would be your most accessible route to buying a home. Before making your way to a lender, you must understand the basics of how to get a mortgage in Olive.

Here are the initial steps to getting a home loan:

Before applying for a mortgage in Olive, you’ll want to ensure that you’re financially prepared to buy a property. You should at least have stable income and employment and manageable debt.

Since a home loan is a huge responsibility, it would be good to get pre-qualified before applying. This way, you can have a clearer picture of your financial readiness to obtain a mortgage.

  • Shop Around For Mortgage Options

After establishing financial stability, you can begin shopping for the best mortgage rates. Interest rates vary according to the lender, so it’s critical to shop around. The lower the rate, the less interest you will pay during the life of the loan.

At Capital Home Mortgage, we are committed to providing outstanding customer service while offering competitive home mortgage rates and low fees.

  • Gather The Required Documents

When you submit your mortgage application to your lender, you will be required to furnish numerous documents. This information will assist your lender in determining whether you are financially qualified for a mortgage.

You will be required to demonstrate your income, employment, and identity and submit copies of recent tax returns and bank account statements. A few additional pieces of paperwork may be required if necessary. You will also need to consent to a credit check that your chosen lender will conduct.

  • Get Pre-Approved

Getting pre-approved and taking the time to determine which type of mortgage is appropriate for you can help make the entire process go more smoothly. 

While many first-time homebuyers consider preapproval optional, it is one of the most critical phases in the home-buying process. Sellers are more likely to take you seriously when you have a preapproval letter with you when shopping for a home.

You can get pre-approved on the same day you submit all the requirements. The preapproval letter is usually valid for up to three months.

Olive, MS Mortgage Lender

When looking for a mortgage in Olive, you’ll likely encounter a variety of lenders, including both online and local institutions, each with its own set of benefits and advantages. Olive mortgage lenders serve an extensive range of borrowers. From first-time homebuyers to seasoned investors.

Capital Home Mortgage offers a wide variety of home loan programs in the Olive area. We are a full-service mortgage lender offering mortgage products from FHA loans, VA loans, USDA home loans, Conventional-conforming loans, Jumbo loans, to Non-Qualified mortgage loans.

We streamlined our process to better serve our clients. Our goal is to provide great rates with low fees and a stress-free home buying experience. We are committed to providing excellent customer service and ensuring a smooth transaction from application to closing.

Apply For A Olive Home Loan

Are you looking to buy a property in Olive or refinance your current mortgage? Obtaining a mortgage loan in Olive does not have to be a complicated process.

Buying a home is a huge milestone, and Capital Home Mortgage can make the process easier and more enjoyable – just the way it should be. We are a full-service home mortgage company that offers a comprehensive range of mortgage options and is committed to providing our clients with unparalleled customer care.

Call us today at 281-674-7372 to talk with a mortgage loan officer or obtain a no-obligation quick quotation.

Why Olive Branch is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Olive Branch Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Olive Branch Customer Service

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

Olive Branch Mortgage Rates

Capital Home Mortgage Olive is dedicated to offering Great Olive 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

Olive Mississippi Mortgage Loans

Olive Branch Home Purchase

Buying a Olive Branch Home?

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

Olive Branch Renovation Home Loans

Olive Branch Rehab Loans

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

Olive Branch Branch FHA Home Loans

1st Time Olive Branch Homebuyers

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

Olive Branch Branch VA Home Loans

100% Loans for Olive Branch Veterans

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

Olive Conventional Home Loans

Flexibility for Olive Branch Branch Buyers

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

Olive Branch Jumbo Home Loans

Great Olive Branch Rates

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

Olive Branch USDA Home Loans

Rural Olive Branch Properties

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

Olive Branch Native American Loans

Olive Branch HUD 184 Loans

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

Olive Branch Manufactured Home Loans

Olive Branch Mobile Home Loans

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

Olive Branch Reverse Mortgages

Your Olive Branch Home at Work!

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

Olive Branch Cash-Out Refinance

Olive Equity Branch Refinance

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

Olive Branch Mortgage Refinance

Olive Branch Rate & Term Refinance

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

Olive Branch, Mississippi 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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