Capital Home Mortgage Fort Worth

Fort Worth home purchase loans

Texas Home Purchase lender

Home Purchase Loans In Fort Worth

Obtaining finance for your Fort Worth home won’t be difficult if you know how to apply and qualify. Getting a mortgage can seem overwhelming only if you are not prepared and do your preliminary research.

It’s critical to be financially secure before applying for a mortgage because lenders use your income, assets, and credit score to determine whether you qualify for a mortgage.

You must put money aside for your down payment, closing costs, and prepaid items before you apply for a mortgage. Additionally, you must have some reserves. Reserve is what is left in your bank account, retirement account, etc., after exhausting your funds to purchase the home. 

A well-prepared home buyer will have all the necessary documents the lender will need for financing the loan. The basic documentation required for a home loan are (a) driver’s license, (b) social security card, (c) recent paycheck stubs, (d) recent bank statements, (e) retirement account statements, and (f) previous two years’ W-2. It is highly recommended that borrowers know where they stand credit-wise before applying for a mortgage. The higher your credit score, the more favorable terms you will get on the loan.

First-Time Homebuyer Benefits

A first-time homebuyer is defined in the mortgage industry as any person who has not owned or had interest ownership of any property in the last three years. There are several benefits of being a first-time homebuyer. Grants, down payment assistance, and tax credits are a few to mention.

A significant benefit of buying your first home is the first-time home buyer credit, besides finally finding and living in your dream house. This tax credit is a component of a government initiative that enables you to obtain reimbursements for closing costs and other expenditures.

How To Apply For A Fort Worth Home Loan & Get Pre-Approved

Getting pre-approved with several lenders before you formally apply for a mortgage will enable you to assess your financial situation, compare mortgage rates, and persuade sellers to work with you.

Even though getting pre-approved might not seem like a huge deal, a pre-approval letter can significantly help when you speak with sellers about their properties because it demonstrates that you are a serious, qualified buyer.

Pre-approval does not, however, guarantee that you will receive the loan. Several things must be satisfied, such as a clean appraisal report, survey, etc.

Get Pre-qualified and Pre-Approved With Capital Home Mortgage

Speak with one of our home loan specialists at (817) 779-7133 to get started on your path to homeownership. Capital Home Mortgage wants to ensure every client has a beautiful mortgage experience with minimal hassles and low fees. 

Capital Home Mortgage is a full-service Home Mortgage Company offering a full line of mortgage products, including FHA Home Loans, VA Home Loans, Conventional Home Loans, USDA Home Loans, Jumbo Home Loans, HUD Native American Home Loans and Reverse Mortgages.  Thank you again for your interest in Capital Home Mortgage, your full-service mortgage company. We look forward to providing your home financing.

Why Fort Worth 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

Fort Worth 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

Fort Worth Home Purchase Loans

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

Fort Worth fixed rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

Fort Worth Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

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

Fort Worth Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Fort Worth Mortgage Company Reviews

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