Capital Home Mortgage Corpus Christi

Corpus Christi Conventional Home Loans

Corpus Christi Conventional Mortgage Lender

Corpus Christi Conventional Home Loans

A Conventional loan is one of the most common mortgage products you’ll encounter when searching for a home loan. This type of loan is a staple in the mortgage market because it does not have government backing, unlike FHA and VA loans. 

If you want a Conventional home loan in Corpus Christi, you’re in the right place. Capital Home Mortgage is a leading Corpus Christi lender offering a wide selection of home loan programs. Our loan offers are competitive because we finance all approved mortgages as a direct mortgage lender. 

Let’s go over some of the salient features of Conventional loans, so you know what to expect when you begin your application. 

Conventional Loan Requirements

Lenders are stricter regarding eligibility for Conventional loans since there is no government backing. This makes such loans a bit riskier. 

However, that doesn’t mean borrowers will have difficulty getting approval. Even if requirements are rigid, the quality of submitted requirements will often be the deciding factor in the vetting process.

Firstly, Conventional loans require a credit score of at least 620 but not a guarantee of approval. A higher score is preferred for a higher chance of approval. If your score is below 620, we recommend checking out FHA loans instead. 

Aside from credit scores, you must have enough money for at least a 20% down payment. Otherwise, you’ll have to pay mortgage insurance.

For proof of income and employment, you need to show the following documents at least:

  • Recent 30-day paycheck stubs;
  • Previous two years’ W-2 statements, 1099s, etc.;
  • Recent two months’ statement of asset accounts, including checking, savings, retirement, and investment accounts.

Work with our loan experts at Capital Home Mortgage to determine the final list of requirements.

Conventional Loan Limits for 2022

Speak with our Corpus Christi Home Loan Experts to determine the loan limit of the county where you intend to buy a house.

Apply for a Conventional Loan in Corpus Christi

Getting a Conventional loan can be challenging because of the stringent requirements. Capital Home Mortgage is here to provide any assistance you may need. We are committed to making our loan processes convenient and straightforward. 

As a direct mortgage lender, we make all the decisions regarding your application, which allows us to offer competitive interest rates and low processing fees.

Get a home loan in Corpus Christi with Capital Home Mortgage today. Give us a call at (361) 724-3166 to get the process started. 

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 Conventional Purchase Loans

Conventional Purchase Mortgage Lender
  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • MAXIMUM LOAN AMOUNT – $766,550

Corpus Christi Conventional Refinance Loans

Conventional Refinance Mortgage Lender
  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates & Flexible Terms
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Corpus Christi Conventional Renovation Loans

Conventional Renovation Mortgage Loans
  • 95% LTV Primary  Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)
Corpus Christi Mortgage Programs

Corpus Christi Home Loans

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 mortgages

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 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

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

Mcallen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans

Accessibility Toolbar