Capital Home Mortgage Mississippi


Apply Now in Minutes
Refinance Now and Save

Southaven Mortgage Lender

Home Loans In Southaven, 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 Southaven

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 Southaven.

Here are the initial steps to getting a home loan:

Before applying for a mortgage in Southaven, 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.

Southaven, MS Mortgage Lender

When looking for a mortgage in Southaven, you’ll likely encounter a variety of lenders, including both online and local institutions, each with its own set of benefits and advantages. Southaven 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 Southaven 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 Southaven Home Loan

Are you looking to buy a property in Southaven or refinance your current mortgage? Obtaining a mortgage loan in Southaven 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 Southaven is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Southaven Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Southaven Customer Service

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

Southaven Mortgage Rates

Capital Home Mortgage Southaven is dedicated to offering Great Southaven 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

Southaven Mississippi Mortgage Loans

Southaven Home Purchase

Buying a Southaven Home?

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

Southaven Renovation Home Loans

Southaven Rehab Loans

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

Southaven FHA Home Loans

1st Time Southaven Homebuyers

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

Southaven VA Home Loans

100% Loans for Southaven Veterans

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

Southaven Conventional Home Loans

Flexibility for Southaven Buyers

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

Southaven Jumbo Home Loans

Great Southaven Rates

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

Southaven USDA Home Loans

Rural Southaven Properties

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

Southaven Native American Loans

Southaven HUD 184 Loans

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

Southaven Manufactured Home Loans

Southaven Mobile Home Loans

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

Southaven Reverse Mortgages

Your Southaven Home at Work!

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

Southaven Cash-Out Refinance

Southaven Equity Refinance

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

Southaven Mortgage Refinance

Southaven Rate & Term Refinance

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

Southaven Mississippi Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Southaven Mortgage Company Reviews

Select You Mississippi City

Jackson Home Loans

Gulfport Home Loans

Southaven Home Loans

Hattiesburg Home Loans

Biloxi Home Loans

Olive Branch Home Loans

Accessibility Toolbar