Capital Home Mortgage San Antonio

San Antonio Native American Home Loans

San Antonio Native American Mortgage Lender

San Antonio Section 184 Loan

Suppose you are an American Indian or Alaskan native seeking homeownership in rural and suburban places in the US. In that case, you can get a Section 184 loan for its exclusive benefits to Native American borrowers. 

Our experienced loan officers here at Capital Home Mortgage will guide you through the process of applying for a Section 184 loan in San Antonio, TX

Let’s go over the essential features of a Native American Home Loan.

Benefits of Native American Home Loans

Lower down payments and market-based interest rates are the major benefits of Native American home loans. If you’re planning to get a loan above $50,000, the down payment is 2.25% (97.75% LTV), while only 1.25% (98.75% LTV) if the loan is under $50,000. 

Moreover, interest rates are market-based and not credit score-based, so your credit score won’t be a primary factor in the calculation process.

Aside from that, you can use a Native American home loan to purchase an existing home, construct a new home (including manufactured homes), or do home rehabilitation. Construction of homes can be on or off native lands and tribal trust lands. 

And ultimately, Section 184 loans can guarantee 100% financing. The mortgage limit for Section 184 loans can reach up to 150% of FHA limits.

Upon closing, a one-time 1.5% upfront guarantee fee is paid, but you can refinance it into the loan.

Qualification Requirements of Native American Loans

All Section 184 loans are guaranteed through the Office of Loan Guarantee of the Department of Housing and Urban Development (HUD). The HUD must first accredit lenders who want to offer Native American loans before granting these loans to Native American borrowers.

Capital Home Mortgage is a HUD-accredited mortgage lender. More than that, we are direct lenders, meaning we make all the decisions on the loan process, including funding the mortgage. This allows us to provide quick approvals on Section 184 loans and direct assistance at every step. 

  • Eligible Borrowers

To be eligible, you must be a member of federally American Indian tribes, Indian tribes, or Alaskan native tribes. 

There are no income limits for a Section 184 loan. Section 184A or the Native Hawaiian Housing Loan Guarantee Program applies to interested borrowers in Hawaii. 

  • Property Types

You can get a Section 184 loan to purchase single-family and one-to-four unit homes. You can use the loan proceeds for house weatherization if you rehabilitate an existing property. 

Outfitting homes for persons with disabilities are also allowed usage of Section 184 funds.

Get a Native American Home Loan in San Antonio With Capital Home Mortgage

Capital Home Mortgage offers Native American home loans to extend accessible financing to the Native communities. Our mortgage experts will guide you in understanding how Section 184 loans work. Though counseling is not required in the application, we highly recommend that you speak to our loan originators before initiating the application process. 

Contact our mortgage officers by calling (800) 536-8171. We look forward to providing your next Section 184 home loan in San Antonio.  

Why San Antonio 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

San Antonio 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

San Antonio Native American Purchase Loans

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase an Existing Home
  • Construction of a New Home
  • Rehab an Existing Home
  • Purchase / Rehab Combo Loan

San Antonio Native American REfinance Loans

CAsh-Out or Renovation

  • Appraisal Required
  • 97.75% Max LTV for Rehab
  • 85% Max LTV for Cash-out
  • County Loan Limits Apply

Streamline REfinance

  • HUD 184 to HUD 184
  • No Income Qualification
  • No Appraisal Required
  • No Mortgage Lates in Last Year
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

San Antonio Texas Native American Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859

Brad Rund

Business Manager
NMLS #224674

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