Capital Home Mortgage Killeen

Killeen VA Home Loans

Killeen VA Mortgage Lender

Killeen VA Home Loans

Killeen VA home loans help eligible veterans and their families finance a home purchase. Backed by the Department of Veterans Affairs, these loans are less expensive than traditional loans. If you’re interested in applying for a Killeen VA home loan, you’ll need to contact a local lender to learn more about the program and get started on the application process.

Fortunately, there’s no need to look any further than Capital Home Mortgage, a VA-approved lender here to help those who have served our country realize their homeownership dreams. If you’re ready to start your Killeen home search, we can help you get pre-qualified for a VA loan and enjoy its many benefits.

Killeen VA Eligibility Requirements

Many homebuyers are interested in taking advantage of the benefits offered by the VA loan program. VA loans are government-backed loans that offer eligible borrowers significant advantages. If you’re considering applying for a VA loan in Killeen, it’s essential to understand the eligibility requirements of a VA loan.

  • Service Requirements 

The first step in determining your VA loan eligibility is establishing that you meet the service requirements. You must have served in one of the following capacities to be eligible for a VA loan:

  1. At least 91 days of active duty service during wartime 
  2. At least 81 days of active duty service during peacetime 
  3. Reserve duty during wartime or peacetime 
  4. National Guard duty during wartime or peacetime 
  • Income Requirements 

You must demonstrate you have a reliable income. When determining your eligibility, your lender will consider your employment history, income stability, and current earnings. 

While VA loans don’t have a maximum or minimum income requirement, they consider your debt-to-income ratio and capacity to pay. The Department of Veterans Affairs is also concerned with your ability to cover the mortgage, other debts, and monthly expenses. They also look at what’s left over after those things are taken care of, which could be called residual income or money from taxes paid and insurance premiums.

  • Credit Score Requirements 

Capital Home Mortgage understands that no matter your credit history, you should be eligible for a VA home loan in Killeen. We work with all applicants to get the best possible deal. VA sets credit score requirements to ensure you’re a responsible borrower. 620 is the required credit score. You may still be eligible for a loan even if your credit score is lower than this threshold.

Killeen VA Loan Benefits

There are many reasons to apply for a VA loan in Killeen. Some of the most popular VA home loan benefits include the following: 

  • No down payment requirements 
  • Competitive interest rates 
  • Flexible credit standards 
  • No private mortgage insurance (PMI) is required
  • No prepayment penalty for settling early loans
  • Borrower assistance to avoid defaults
  • Limited closing costs
  • Easier qualification than conventional loans

Apply for a Killeen VA Loan

We can assist you in taking advantage of the VA loan program. At Capital Home Mortgage, we’re proud to offer Killeen VA loans to eligible borrowers. As direct lenders, we can provide the lowest interest rates and conditions. We’re also committed to customer service.

To get started, call us at (254) 213-7343, and our professional loan officers will walk you through the following steps. 

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 VA Purchase Loans

VA Purchase Mortgage Lender
  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

Killeen VA Refinance

VA Refinance Mortgage Lender
  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification

Killeen VA Eligibility

  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability
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

Killeen 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

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