Capital Home Mortgage Cary Town North Carolina

Cary Town Home Loans

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Cary Town North Carolina Mortgage Lender

Home Loans In Cary Town, North Carolina

Welcome to Capital Home Mortgage – Cary Town. The town of Cary sits at the heart of the famous North Carolina Research Triangle. It was incorporated in the state of North Carolina as a town, not a city. Cary is the 2nd most populous incorporated town in the United States with this designation. 

The housing market here has been relatively resilient in the face of the pandemic. In a recent study, Cary, NC, was ranked third on AdvisorSmith’s list of safest cities in America. This makes it a prime area to own a home. 

However, the journey to homeownership is often long and arduous, especially if you don’t know what it entails. To help you make informed decisions, here are some essential tips to remember when buying a house.

4 Tips For Buying a House in Cary Town, North Carolina

     1) Check Your Finances 

You’ll want to make sure your finances can comfortably cover monthly payments for the next 15 to 30 years. This is in addition to your other expenses like food, transport, children’s education, etc. Income security and employment stability are paramount before looking for a house. 

     2) Consider Outstanding Debt

Non-mortgage debt, such as credit card and auto loan debts, may affect your credit report, which impacts your ability to obtain a home loan to finance the purchase. Most mortgage lenders may be unwilling to approve your loan application if you’ve got a sizable debt. Those that do will usually impose higher fees and more stringent terms. 

     3) Get Pre-Approved for a Home Loan

Being pre-approved for a home loan is a big plus for sellers. Pre-approval means that you’re serious about buying a house and not just looking around. 

     4) Maximize the Down Payment

Lenders impose different down payment thresholds for home loans. However, we recommend maximizing your free cash to cover a large portion of the down payment. Paying a large down payment reduces your loan amount. You pay lesser interest and lower mortgage payments over the loan term.

With a down payment of 20% or more, you can avoid paying for private mortgage insurance, further reducing your monthly mortgage payments.

Cary, North Carolina Home Loans

Buying a home in Cary Town doesn’t have to be complicated. At Capital Home Mortgage, we make the home buying experience as seamless as possible. 

We offer home loan programs, including  FHA loans for low credit score borrowers, jumbo loans for high-cost houses, VA loans for qualified veterans, USDA loans for rural area properties, and much more.

As a direct lender, we are involved in every aspect of the loan process. This allows us to provide tailored services, competitive interest rates, and low fees. 

Apply For Your Home Loan in Cary, NC Today!

Let us help you get the best mortgage product for your dream home in Cary, North Carolina. Our home loan specialists are standing by to walk you through your home loan choices and answer any questions you may have about the application process. 

Call us now at (910) 500-6017 to get in touch. 

Why Cary Town is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Cary Town Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Cary Town Customer Service

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

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

Capital Home Mortgage Alabama is dedicated to offering Great Alabama Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Cary Town North Carolina Mortgage Loans

Cary Town Home Purchase

Buying a Cary Town Home?

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

Cary Town Renovation Home Loans

Cary Town Rehab Loans

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

Cary Town FHA Home Loans

1st Time Cary Town Homebuyers

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

Cary Town VA Home Loans

100% Loans for Cary Town Veterans

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

Cary Town Conventional Home Loans

Flexibility for Greensboro Buyers

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

Cary Town Jumbo Home Loans

Great Greensboro Rates

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

Cary Town USDA Home Loans

Cary Town Rural Properties

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

Cary Town Native American Loans

Cary Town HUD 184 Loans

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

Cary Town Manufactured Home Loans

Cary Town Mobile Home Loans

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

Cary Town Reverse Mortgages

Your Cary Town Home at Work!

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

Cary Town Cash-Out Refinance

Cary Town Equity Refinance

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

Cary Town Mortgage Refinance

Cary Town Rate & Term Refinance

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

Cary Town Mortgage Team

Cary Town North Carolina Mortgage Company Reviews

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