Capital Home Mortgage Wilmington

Wilmington Home Loans

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Wilmington Mortgage Lender

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Home Loans In Wilmington, North Carolina 

Welcome to Capital Home Mortgage Wilmington. Wilmington, North Carolina — the place for family-friendly beaches, southern hospitality, and diverse neighborhoods. Situated in southeastern North Carolina, the city was founded in the 1730s and is home to America’s best riverfront. 

A leisurely drive through this historic port city will reveal a wide variety of choices for real estate. House hunters should have no problem finding suitable properties for their needs here, whether a starter home, condo, vacation home or investment property. The only thing to figure out now is how to afford it. 

If you’re like most homebuyers, you’ll need to get a mortgage to fund the deal. That’s where we come in. At Capital Home Mortgage, we offer a wide selection of home loan programs in Wilmington, North Carolina. But first, let’s walk you through what a mortgage entails.

Understanding Mortgages In Wilmington, NC

There are three primary components to a mortgage — down payment, monthly repayments, and fees. Let’s look at each one in turn to have a clearer picture. 

  • Down Payment 

The down payment is a percentage of the total sale price of the property. It represents an upfront partial payment for the house you want to buy. The mortgage will then cover the remainder of the payment. 

Generally, the higher the down payment, the more favorable the mortgage terms. Ideally, you’ll want to put a down payment of 20% or more to reduce the total mortgage amount and avoid paying certain charges, such as private mortgage insurance. 

  • Monthly Payments 

This is the amount that you are required to pay every month on your mortgage over the loan term. It includes the principal amount and interest. Some payments also include property tax and insurance.  

The main factors determining how much you pay in monthly repayments are the size and term of the mortgage. The size refers to the total mortgage amount, while the term is how long you have to pay it back. 

Check out our free mortgage calculator to better understand what to expect in monthly repayments based on your home loan size and term. 

  • Closing Costs 

Some fees are associated with obtaining the mortgage. A borrower must prepare for lender fees, title company fees, and third-party fees. Lender fees are loan origination, processing, underwriting, and credit report fees. Title company fees are title insurance, recording fee, guarantee fee, endorsement fees, etc. Third-party fees are your appraisal fee, home inspection fee, and survey.

Expect to pay anything from 2% to 5% of the home sale price in mortgage fees. 

Mortgage Lender In Wilmington, North Carolina

Are you in the market for a new home in Wilmington, North Carolina? Capital Home Mortgage offers a comprehensive lineup of home loans, including FHA, Conventional, Jumbo, USDA, VA, and HUD 184 loans. We’ll conduct a needs analysis of your situation so we can offer the best possible mortgage product to fit your needs. 

At Capital Home Mortgage, our goal is to make homeownership in Wilmington a stress-free experience from start to finish. We are a direct mortgage lender, which places us in the best position to offer on-time approvals, competitive interest rates, and low fees.  

Apply For Your Mortgage in Wilmington, NC, Today!

The right mortgage for financing your home purchase in Wilmington is just one phone call away. Reach us at (910) 500-6017 to speak with our experienced loan officers about your home loan needs. We’re also happy to provide all the assistance you need to close the deal in the shortest time possible. 

Thank you for being so interested in our services, and we look forward to providing you with your next Wilmington home loan.

Why Wilmington is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Wilmington Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Wilmington Customer Service

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

Wilmington 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 Wilmington is dedicated to offering great Wilmington Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Wilmington Mortgage Team

Wilmington Mortgage Programs

Wilmington Home Purchase

Buying a Wilmington Home?

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

Wilmington Renovation Home Loans

Wilmington Rehab Loans

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

Wilmington FHA Home Loans

1st Time Wilmington Homebuyers

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

Wilmington VA Home Loans

100% Loans for Wilmington Veterans

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

Wilmington Conventional Home Loans

Flexibility for Wilmington Buyers

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

Wilmington Jumbo Home Loans

Great Wilmington Rates

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

Wilmington USDA Home Loans

Wilmington Rural Properties

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

Wilmington Native American Loans

Wilmington HUD184 Loans

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

Wilmington Manufactured Home Loans

Wilmington Mobile Home Loans

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

Wilmington Reverse Mortgages

Your Wilmington Home at Work!

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

Charlotte Cash-Out Refinance

Wilmington Equity Refinance

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

Charlotte Mortgage Refinance

Wilmington Rate & Term Refinance

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

Wilmington Mortgage Company Reviews

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