Capital Home Mortgage Brownsville

Brownsville VA Home Loans

Brownsville VA Mortgage Lender

Brownsville VA Home Loans

The VA offers home loans and other housing-related programs, giving military service members, veterans, and eligible surviving spouses a better homeownership option. The agency determines VA-backed mortgage eligibility based on service length, duty status, and nature of service.  Qualified borrowers can use the VA home loan to help purchase, repair, or retain a home for personal occupancy. Capital Home Mortgage offers Brownsville VA loans and other mortgage options. Start your homeownership journey with us!

VA Loan Guaranty

Although the VA loan is a federal program, it’s not the federal government does not directly lend or originate mortgages. Private lenders offer these home loans, but the VA guarantees these loans. The VA loan guaranty safeguards lenders against ultimate loss if the buyer defaults on the mortgage. This protection by the government allows private lenders to provide VA loans with better conditions than most mortgage options.

Brownsville VA Eligibility Requirements

To qualify for a Brownsville VA loan, you or your spouse must meet the VA’s minimum service requirements and satisfy your lender’s credit and income standards.  You may be eligible for a VA loan if one or more of the following applies to you:
  • Has at least 90 consecutive days of active wartime service
  • Rendered at least 181 days of active service during peacetime
  • Served for at least six (6) years in the National Guard or National Reserves
  • Spouse of a service member who died in the line of duty or was disabled while serving
  • Lenders Borrowing Requirements
The VA has not set a credit score requirement, but lenders typically have minimum standards for credit, income, DTI, etc., for those who wish to obtain a VA loan. They will use the information to assess your risk and determine the interest rate of your loan. You will also need to provide your lender with a Certificate of Eligibility (COE), which confirms your qualification for VA loan benefits. Remember that different lenders have different requirements, so you don’t have to go with the first lender that approves your VA loan application. Feel free to shop around until you find a lender that fulfills your financial and homebuying needs.

Brownsville VA Home Loan Benefits

The VA Home Loan is often the best home loan product for Brownsville Veterans. Some of its notable benefits include:
  • No down payment (as long as the home’s sale price does not exceed the appraised value);
  • Competitive terms and interest rates;
  • No private mortgage insurance;
  • Fewer mortgage closing costs (may be paid by the lender, seller, or a 3rd party);
  • No penalty fee for early loan repayment;
  • Lifetime benefit; Guarantee can be used multiple times

Is the VA Loan a Great Option?

The VA home loan program comes with a slew of perks — zero down payments, no mortgage insurance, flexible credit guidelines, and the lowest average interest rates in the industry — creating what’s arguably the most compelling loan options today! If you’re a service member, a veteran, or a spouse of one, this is an opportunity you don’t want to miss! Moreover, you don’t have to head to the VA to know if you’re eligible. You should get a good idea of your chances when you apply for VA loan preapproval with Capital Home Mortgage! Every Veteran buyer’s situation is unique, and discussing your loan options with one of Capital Home Mortgage’s Home Loan Specialists can help you make the best financial decision possible.
Why Brownsville HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

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

Brownsville VA Purchase Loans

VA Purchase Mortgage Lender
  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

Brownsville VA Refinance

VA Refinance Mortgage Lender
  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification

Brownsville VA Eligibility

  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Texas renovation home loans

Looking to Rehab a Texas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Texas FHA Home Loans

Great for 1st Time Texas Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

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

Texas VA Home Loans

100% Financing for Texas Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Texas Conventional Home Loans

Flexibility for Texas Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

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

Texas Jumbo Home Loans

Texas Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

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

Texas USDA Home Loans

100% Rural Texas Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Texas Native American Home Loans

Texas HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

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

Texas Manufactured Home Loans

Great Alternative Texas Housing

Texas reverse mortgages

Your Texas Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Texas Non QM Home Loans

Making Texas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Texas One Time Close mortgages

Build Your Texas Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Texas Refinance Mortgage Loans

Texas Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

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

Texas Cash-out Home mortgages

Texas Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Brownsville Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Brownsville Mortgage Company Reviews

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