Capital Home Mortgage Corpus Christi

Corpus Christi Home Loans

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Corpus Christi Mortgage Lender

Home Loans In Corpus Christi, Texas

Welcome to Capital Home Mortgage Corpus Christi. We want to thank you for the opportunity to earn your mortgage business. We understand that purchasing a home is the most significant decision in most people’s lives, which is why Capital Home Mortgage provides dedicated contact points throughout the loan process. Are you ready to make the transition from renting to owning one? The first step is to apply for a mortgage, but how can you determine your eligibility for a home loan in advance? Lenders look at a variety of factors when evaluating mortgage applications. Understanding these factors will help you strengthen your application and improve your chances of qualifying for the home loan product of your choice.

Essential Factors to Consider Before Applying for a Mortgage

Let’s examine the primary considerations lenders use when determining whether or not you qualify for a mortgage The following factors play a significant part in establishing your eligibility for a home loan.
  • Your Income

Your household income is one of the first things lenders consider when evaluating your loan application. There is no minimum income requirement to purchase a home, but your lender will want to know that you have enough money to support your mortgage payment and other monthly expenses. Generally, lenders will only recognize an income stream if it has been continuous for at least two years. Additionally, lenders will not consider your salary alone but other regular income sources such as alimony or child support payments, earnings from side hustles, commissions, Social Security payments, income from investments, etc.
  • Property Type

The type of property you wish to purchase will also affect your ability to obtain financing. That being said, primary residences are the most accessible properties to acquire to get approved for. Lenders view primary residences as less hazardous because they understand that even if borrowers lose a source of income or incur an unexpected expenditure, they are more likely to prioritize home payments over investment properties. The majority of government-backed loans are available solely to purchase a primary dwelling.
  • Your Assets

Your lender needs enough assurance that you can continue paying your premiums in a financial emergency. This is where your assets come into play. Assets such as checking and savings accounts, deposit certificates, retirement accounts, and investments will give you more leverage during the application and qualification process. Your lender will likely ask for documentation to verify certain types of assets, such as bank statements.
  • Your Credit Score

Your credit score is a testament to how reliable a borrower you are. A good credit score indicates that you pay your payments on time, avoid excessive debt, and keep a close eye on your expenditures. Homebuyers with high credit scores have the most financing options and the lowest interest rates. To qualify for most loans, you’ll need a FICO® Score of at least 620 points. Suppose your credit score is less than 620. In that case, you may want to explore government-backed loans, such as an FHA loan or a VA loan, the latter only available to qualified veterans and active-duty military service members.
  • Your DTI Ratio

Mortgage lenders want to ensure that you have adequate income to pay all your monthly expenses, which might be challenging to determine solely based on your income. This is why most lenders place a premium on your debt-to-income ratio (DTI) – a percentage indicating how much of your gross monthly income is used to pay essential monthly debts. The lower your debt-to-income ratio, the more appealing you are to lenders. Generally, most loans require a DTI ratio of 50% or below.

Corpus Christi, TX Mortgage Lender

Capital Home Mortgage Corpus Christi is a full-service mortgage firm that offers a broad range of mortgage products at low mortgage rates, including FHA, VA , Conventional, USDA, Jumbo, and Native American Home Loans. Capital Home Mortgage is a direct Corpus Christi lender, which means that we manage the lending process from start to finish and make all decisions, from application to funding. Our in-house processing and underwriting capabilities enable us to provide our clients with timely approvals and on-time closings at a lower cost.

Find a Home Loan that Suits You!

At Capital Home Mortgage, we aim to make home your buying experience as positive and seamless as possible. Call today to speak to a mortgage loan officer for direction, insight, and assistance to build your confidence as a homebuyer. Contact us at (361) 724-3166 to learn more about our home loan programs or obtain a no-obligation quote. Thank you again for your interest in our services, and we look forward to providing your Corpus Christi Mortgage Loans.
Why Corpus Christi 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

Corpus Christi 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
corpus Christi Mortgage Programs

Corpus Christi Home Purchase

Thinking of Buying a Corpus Christi 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

Corpus Christi renovation home loans

Looking to Rehab a Corpus Christi 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

Corpus Christi FHA Home Loans

Great for 1st Time Corpus Christi 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

Corpus Christi VA Home Loans

100% Financing for Corpus Christi 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

Corpus Christi Conventional Home Loans

Flexibility for Corpus Christi 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

Corpus Christi Jumbo Home Loans

Corpus Christi 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

Corpus Christi USDA Home Loans

100% Rural Corpus Christi 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

Corpus Christi Native American Home Loans

Corpus Christi 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

Corpus Christi Manufactured Home Loans

Great Alternative Corpus Christi Housing

Corpus Christi reverse mortgages

Your Corpus Christi 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

Corpus Christi Non QM Home Loans

Making Corpus Christi 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

Corpus Christi One Time Close Home Loans

Build Your Corpus Christi 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

Corpus Christi Refinance Mortgage Loans

Corpus Christi 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

Corpus Christi Cash-out Home mortgages

Corpus Christi 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

Corpus Christi Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Corpus Christi Mortgage Company Reviews

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