Capital Home Mortgage El Paso

El Paso Home Loans

Home Purchase
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Mortgage Lender El Paso Texas

Home Loans In El Paso, Texas

Welcome to Capital Home Mortgage El Paso. Thank you for the opportunity to earn your mortgage business. We understand purchasing a home is the most significant decision in people’s lives, which is why Capital Home Mortgage provides dedicated contact points throughout the loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing. Have you finally found a home in El Paso, Texas, that meets your needs, budget, and preferences? The next thing you should do is apply for a home loan as soon as possible. Considering the competitive housing market, you could lose that home to someone else if you don’t grab the opportunity fast enough!

El Paso Home Loans: What You’ll Need

Before anything else, you must first decide on a lender and fill out an application for financing. Depending on the lending company you choose, you can apply for a home loan online, through the phone, or in person.  Once you find a mortgage lender to originate your home loan, you and your co-borrower (if you have one) will need to provide proof of your employment, creditworthiness, and overall financial status. You’ll want to have these six documents before you apply:
  • Your W2’s for the last two years;
  • Recent 30-day pay stubs;
  • Bank statements for the previous two months (all financial accounts and investments);
  • Copy of most recent YTD profit/loss statement (if self-employed);
  • Copy of the Purchase and Sales Agreement.
Your lender may request additional documentation depending on your situation and the type of mortgage you wish to apply for.   Expect your lender to inquire about your employment and financial history. Your lender will also run your credit report with your permission as part of the process.  To improve your chances of getting approved, submit all the required documents and complete the application as completely and accurately as possible. Not disclosing credit issues or withholding requested documents will only delay the process and potentially prevent mortgage approval, so it’s in your best interest to be transparent about your finances.

El Paso, TX, Mortgage Lender

During your search for a mortgage in El Paso, you’re likely to come across a variety of lenders, both online and local, each with its own set of benefits and drawbacks. At Capital Home Mortgage, we work with diverse borrowers. We are a full-service mortgage lender. We provide a range of mortgage products, including FHA loans. As a direct El Paso Mortgage Lender, Capital Home Mortgage controls the loan process from start to finish. Our processing and underwriting allow for quick approvals and on-time closings. Capital Home Mortgage is a full-service El Paso Mortgage Company providing home loan products and great El Paso Mortgage Rates. With our streamlined workflow process, we can offer our clients competitive rates, reasonable fees, and a stress-free home-buying experience. We are dedicated to providing superior customer service and facilitating a seamless transaction from application to close.

Are You Ready To Buy A New Home In El Paso?

If you’re considering buying a property in El Paso, TX, or refinancing your current mortgage, we’re here to help! Capital Home Mortgage is a full-service Texas mortgage firm that provides a broad range of home loan options, competitive mortgage rates, and low fees – all while offering exceptional customer service. Whether you are a first-time homebuyer looking at an El Paso FHA Home Loan, active duty or retired veteran needing an El Paso VA Home Loan, or a seasoned buyer with an El Paso Conventional Home Loan, we are here to help. We can assist you in reviewing your loan alternatives and choosing the most appropriate one for you. Contact one of our lending officers at (915) 283-3949
Why El Paso 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

El Paso 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
El Paso Mortgage Programs

El Paso Home Purchase

Thinking of Buying a El Paso 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

El Paso renovation home loans

Looking to Rehab a El Paso 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

El Paso FHA Home Loans

Great for 1st Time El Paso 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

El Paso VA Home Loans

100% Financing for El Paso 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

El Paso Conventional Home Loans

Flexibility for El Paso 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

El Paso Jumbo Home Loans

El Paso 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

El Paso USDA Home Loans

100% Rural El Paso 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

El Paso Native American Home Loans

El Paso 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

El Paso Manufactured Home Loans

Great Alternative El Paso Housing

El Paso reverse mortgages

Your El Paso 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

El Paso Non QM Home Loans

Making El Paso 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

El Paso One Time Close Home Loans

Build Your El Paso 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

El Paso Refinance Mortgage Loans

El Paso 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

El Paso Cash-out Home mortgages

El Paso 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

El Paso Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

El Paso Mortgage Company Reviews

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