Capital Home Mortgage College Station

College Station Home Loans

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College Station Mortgage Lender

Home Loans In College Station, Texas

College Station is a city in Brazos County, 83 miles northwest of Houston. College Station and Bryan make up the Bryan-College Station metropolitan area, the 13th-largest metro area in Texas. 

The College Station housing market is competitive. The average price of a home is $251,000, with many homes getting multiple offers. The average homes sell for about 1% below the list price and go pending in around nine days.

Welcome to Capital Home Mortgage – College Station. Owning a home has long been associated with the American Dream. Unsurprisingly, most people strive to make this dream a reality.

Still, there’s no denying that while buying a home is an excellent investment, it is a huge decision that can have an enormous impact on your financial future. That said, it makes sense to learn as much as possible about the process and what it entails.

Where Do I Begin When Purchasing My First Home?

Prequalifying for a home loan before you begin house hunting is an excellent idea. Before starting your search, pre-qualification enables you to determine which properties are within your price range. 

To prequalify, you must provide your loan officer with certain financial information. After analyzing your data, your loan officer will give you an estimate of the mortgage amount you should be able to afford.

How Do I Know How Much I Can Afford?

Monthly mortgage payments typically include the principal, interest, real estate taxes, and homeowner’s insurance. It may also have HOA dues and private mortgage insurance (PMI) if you put less than 20% upfront.

However, how much you can afford will mostly rely on interest rates at the time of purchase and the amount of money you have available for a down payment.

Ideally, your monthly housing payments should be approximately 36% of your overall monthly income before taxes. Moreover, your overall debt (your existing debts plus mortgage payments) should be at most 45% of your household income before taxes.

Including additional expenses such as utilities, maintenance, and credit card bills is also recommended when developing a realistic figure of what you can afford.

Are There Any Advantages to Buying A Property For The First Time?

Beyond property ownership, there are other advantages of purchasing a home for first-time homebuyers. 

First-time homebuyers may be entitled to low-down-payment programs or other forms of assistance. They may also be qualified to participate in certain state and municipal governments Mortgage Credit Certificate Programs, allowing up to a $2,000 annual federal income tax credit.

What Factors Should I Consider Before Purchasing A Home?

There are a few things you should do before buying a home. It’s critical to evaluate your credit history, determine how much debt you have, and obtain all pertinent documentation for the mortgage application. Additionally, you must begin saving money for the down payment and closing costs as early as possible.

We also advise researching before meeting with a realtor or viewing any homes. This enables you to familiarize yourself with surrounding school districts, transportation routes, and other local resources and ensure that you are searching for a home in a location that fulfills all of your requirements.

Am I Receiving A Good Deal on My Mortgage?

Lenders provide a range of home financing choices and will work with you to determine the best option. While loan rates vary little between companies, loan terms, prepayment alternatives, and processing costs can vary from one lender to another. These differences in the loan structure and fees can result in significant savings.

Some mortgages are available, ranging from 15 to 30 years. Your monthly payment will vary according to the term. The shorter period, the less you pay for the property, but expect higher monthly payments. Your loan officer can assist you in determining your best terms and options.

College Station, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage company. We specialize in home purchase loans and refinancing in Texas and across the country. Whether you are interested in a conventional home loan or a government-backed mortgage such as the FHA or VA loan, we can help you realize your dream of homeownership.

Your Mortgage Made Easier

We know that acquiring a house is the most significant financial decision most people will make in their lifetime, which is why Capital Home Mortgage is committed to providing dedicated contact points throughout the financing process. This allows our clients a seamless home loan experience with minimal delays and on-time closing. After all, purchasing a home should be an exciting milestone, not stressful.

Contact Capital Home Mortgage today at 979-393-0049 to explore your mortgage loan alternatives and determine which lending program best fits your financial situation.

Thank you again for your interest in our services, and we look forward to providing you next College Station Mortgage Loan.

Why College Station 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

College Station 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
College Station Mortgage Programs

College Station Home Purchase Loans

Thinking of Buying a College Station 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

College Station renovation home loans

Looking to Rehab a College Station 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

College Station FHA Home Loans

Great for 1st Time College Station 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

College Station VA Home Loans

100% Financing for College Station 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

College Station Conventional Home Loans

Flexibility for College Station 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

College Station Jumbo Home Loans

College Station 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

College Station USDA Home Loans

100% Rural College Station 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

College Station Native American Loans

College Station 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

College Station Manufactured Home Loans

Great Alternative College Station Housing

College Station reverse mortgages

Your College Station 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

College Station Non QM Home Loans

Making College Station 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

College Station One Time Close mortgages

Build Your College Station 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

College Station Refinance Mortgage Loans

College Station 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

College Station Cash-out Home mortgages

College Station 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

College Station Texas 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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