Capital Home Mortgage Corpus Christi

Corpus Christi Jumbo Home Loans

Corpus Christi Jumbo Mortgage Lender

Corpus Christi Jumbo Home Loans

A Jumbo loan is the perfect home loan product if you want to buy a luxury home or a property in a highbrow area. 

Loans are subject to conforming limits, but luxury properties always come at a hefty price that exceeds the set limits. Jumbo loans provide financing to eligible borrowers who want to buy expensive homes but can’t get a conforming loan. 

At Capital Home Mortgage, we can help you obtain your next Jumbo home loan in Corpus Christi. Speak to our loan officers to know more about Jumbo loans or if you’re unsure f if this product best matches your home loan requirements. 

Requirements of Jumbo Loans

Because of the higher amounts involved and the fact the government does not back them, Jumbo loans have stricter requirements than conventional loans.

Lenders require a minimum credit score of 700 for Jumbo loans. Some lenders raise the credit score requirement for Jumbo loans to 720. Before applying for a Jumbo loan, we recommend getting your credit report to see your credit score. Having a high credit score is not a guarantee of loan approval. 

Aside from your credit score, lenders also review your credit history. For Jumbo loans, you need to have a stellar credit and payment history. Your debt-to-income ratio must also be below 45% for a higher chance of approval.

Moreover, asset reserves also affect the success of your Jumbo loan application. We want to know if you have enough assets to pay for the required down payment and monthly amortizations. For Jumbo loans, the down payment requirement is 10 – 30% of the sales price. 

Income and employment will also matter — present W-2 statements, bank statements, financial statements, tax returns, and pay stubs during application. We may ask for other kinds of proof of income and employment as we deem fit for your application. 

Jumbo Loans vs. Conforming Loans

Conforming loans conform to the limits set by the Federal Housing Finance Agency (FHFA). Conventional, VA, FHA, and USDA loans are conforming loans. You should go for Jumbo Loans if you need more than the limit. Here are the conforming loan limits for 2022:

  • The baseline limit is $647,200 for low-cost areas and $970,800 for high-cost areas if you want a one-unit property.
  • You can reach up to $1,224,850 in low-cost areas and $1,867,275 for high-cost areas for a four-unit property.

Limits for high-cost areas depend on the county. Speak to our Corpus Christi loan officers for county limits.

Get a Jumbo Home Loan in Corpus Christi Today

At Capital Home Mortgage Corpus Christi, we provide our clients with an enjoyable home-buying experience. Buying a home, especially a luxury property, is a huge life milestone and should not involve unnecessary complications. 

Our mortgage specialists are standing by to discuss your Corpus Christi Jumbo home loan. Call (361) 724-3166 to get in touch. 

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 Jumbo Home 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 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

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 TExas Mortgage Company Reviews

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