Capital Home Mortgage Killeen

Killeen Home Loans

Home Purchase
Save Today
Have Questions?

Mortgage Lender Killeen Texas

Home Loans In Killeen, Texas

Welcome to Capital Home Mortgage Killeen. Killeen is a city in central Texas known for the Fort Hood military base. The 21st most populous city in Texas and the largest of the three principal cities of Bell County. Killeen’s housing market continues to be a desirable location for prospective home buyers.  Purchasing a home is one of the most costly investments you will make during your lifetime. Before signing on the dotted line, take your time and gain as much knowledge and insight as possible. Before beginning the house-hunting process, it is wise to determine your housing affordability. By planning, you save time in the long run and avoid the risk of being turned down for loans and bidding on properties that are way beyond your budget. It also helps to know which banks are the best for your situation before looking for a home. How to Qualify for a Home Loan in Killeen, TX Here are three steps you should take to increase your chances of qualifying for a mortgage and acquiring a new home in Killeen, TX:
  • Determine Your Financial Capacity

Historically, the formula for determining how much a borrower could afford was approximately three times the borrower’s gross annual income, which is unreliable. It is safer and more realistic to examine your budget and determine how much money is available for a new house’s down payment and monthly payments. You should also consider additional expenses such as taxes, maintenance, insurance, and other home ownership costs. Generally, lenders do not want borrowers to have monthly payments that exceed 36% of their monthly income. However, they may allow considerations for those with excellent credit. Using a mortgage calculator can assist you in determining your monthly mortgage payment.
  • Examine Your Credit Report

Lenders investigate credit histories via a request to credit bureaus to access the borrower’s credit file. This enables the lender to make a more informed loan pre-qualification decision.  The credit report contains your  FICO score and a statistical summary of your credit information. It reflects your debt payment history and the amount of your outstanding debt about your income.” Your credit score affects your ability to obtain a loan or prequalify for a mortgage. You can expect a lower credit score if you often pay your bills late. A low credit score may cause the lender to reject your application, require a significant down payment, or charge a high-interest rate to mitigate the risk they are taking on your mortgage.
  • Prequalify and Get Pre-Approved for a Mortgage

After performing basic calculations and compiling a financial statement, you can prequalify for a home loan. Prequalifying estimates how much you can borrow and the amount required for the down payment. Most of the time, however, prequalifying won’t be enough. You need to get pre-approved for a specific loan amount. Pre-approval lets the seller know that the lender will lend you the money following an appraisal of the property and preparing a purchase contract and title report.

Mortgage Lender in Killeen, TX

Are you planning to relocate and buy a new home in Killeen, TX? Choose an experienced Killeen mortgage lender who can guide you through the process and help you make the right choice. As one of the leading mortgage lenders in Texas,  Capital Home Mortgage has the advantage of offering our clients a flexible underwriting policy. We carry a variety of home loan programs to suit every buyer’s needs and take pride in offering our customers low fees, competitive interest rates, and superior service.

Apply For A Killeen Home Loan Today!

Capital Home Mortgage can assist you in realizing your dream of owning a home in Killeen! We have the technology and resources necessary to expedite the loan application, underwriting, and funding processes. You can rely on us to expeditiously and smoothly complete the application process and close your mortgage on time. Whether you are a first-time homebuyer, active duty or retired veteran, or a seasoned buyer, we are here to help. Thank you again for your interest in our services, and we look forward to providing you next Killeen Home Loan.
Why Killeen 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

Killeen 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
Killeen Mortgage Programs

Killeen Home Purchase

Thinking of Buying a Killeen 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

Killeen renovation home loans

Looking to Rehab a Killeen 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

Killeen FHA Home Loans

Great for 1st Time Killeen 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

Killeen VA Home Loans

100% Financing for Killeen 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

Killeen Conventional Home Loans

Flexibility for Killeen 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

Killeen Jumbo Home Loans

Killeen 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

Killeen USDA Home Loans

100% Rural Killeen 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

Killeen Native American Home Loans

Killeen 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

Killeen Manufactured Home Loans

Great Alternative Killeen Housing

Killeen reverse mortgages

Your Killeen 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

Killeen Non QM Home Loans

Making Killeen 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

Killeen One Time Close Home Loans

Build Your Killeen 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

Killeen Refinance Mortgage Loans

Killeen 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

Killeen Cash-out Home mortgages

Killeen 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

Killeen Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Killeen 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