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Mortgage Lender Waco Texas

Home Loans In Waco, Texas

Waco, Texas – the place to stop for scores of shops and restaurants galore! Situated on the I-35 corridor between Dallas and Austin, the city was founded in 1849 by the Huaco Indians that lived on the land in the present-day downtown area. Waco is ranked among the top 10 emerging markets in the US. You discovered a home in Waco, Texas, that meets your current and future needs. Suppose you’re like the majority of homebuyers. In that case, the next logical step is finding a mortgage lender willing to finance the purchase — and we’re here to educate you on the process and make the experience much more convenient.

The First Steps to Buying a Home in Waco, Texas

Mortgages are an unavoidable expense for the majority of aspiring homeowners. They help mitigate the high initial cost of homeownership by allowing you to pay for your new home over time. However, qualifying for and obtaining a mortgage is a complicated process that requires considerable thought and planning. While qualifying for a mortgage may initially appear daunting, planning increases your chances of getting the home of your dreams.
  • Pre-qualifying for A Home Loan

The first step is to pre-qualify for a mortgage. The financial institution will evaluate your financial situation, including your income, debt, and assets, to provide you with an estimated mortgage amount you can expect.  Pre-qualification is more straightforward than it sounds, as it can usually be completed over the phone or via the Internet at no expense. It is an essential step in the mortgage process as it allows you to begin discussing your mortgage options and financial situation.
  • Getting Pre-approved

Pre-approval is essentially confirmation from a lender that they are willing to lend you money. Getting pre-approved for a mortgage demonstrates to both you and the seller that you can afford the home, increasing your purchasing power. Unlike the pre-qualification process, pre-approval entails a more in-depth examination of your financial situation to ensure you can afford your mortgage payments. The following are some of the documents you will be required to submit:
  • Documentation of personal information (driver’s license, Social Security number, marriage certificate — if applicable, contact information, and address);
  • Employment information (location and duration of your employment, recent pay stubs, and W-2 income tax forms for the last two years);
  • Monthly expenses, which include the bills you pay regularly;
  • Your overall financial situation (all bank accounts, investment accounts, assets, IRAs, and liabilities — such as credit card balances, student loans, or car loans).

Finding the Best Lender for You

Getting pre-approved by a lender is essential to getting your new home loan. As a direct mortgage lender and servicer, Capital Home Mortgage offers a complete line of products for every mortgage need. 

Mortgage Lender In Waco, TX

Capital Home Mortgage is a full-service mortgage company that offers a diverse portfolio of mortgage products, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 Native American home loans. We are a direct mortgage lender in Waco, TX, which means we manage the mortgage process from beginning to end; we have complete control from application to funding.

Contact Us for A Hassle-Free Home Loan Experience!

Capital Home Mortgage is committed to the highest standards of excellence in all aspects of our business. We offer our clients lower costs and interest rates while maintaining exceptional service tailored to their specific needs and requirements. You can rely on our mortgage professionals to provide trustworthy, candid advice on all mortgage-related matters and streamline and expedite the entire home loan and closing process to meet your timeline. We’ve established a solid reputation in Texas for assisting homeowners and are eager to put our years of experience and knowledge of the industry to work and make homeownership a delightful journey for you. Thank you again for your interest in our services, and we look forward to providing you next Waco Mortgage Loan.
Why Waco 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

Waco 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
WAco Mortgage Programs

Waco Home Purchase

Thinking of Buying a Galveston 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

Waco renovation home loans

Looking to Rehab a Waco 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

Waco FHA Home Loans

Great for 1st Time Waco 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

Waco VA Home Loans

100% Financing for Waco 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

Waco Conventional Home Loans

Flexibility for Waco 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

Waco Jumbo Home Loans

Waco 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

Waco USDA Home Loans

100% Rural Waco 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

Waco Native American Home Loans

Waco 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

Waco Manufactured Home Loans

Great Alternative Waco Housing

Waco reverse mortgages

Your Waco 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

Waco Non QM Home Loans

Making Waco 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

Waco One Time Close Home Loans

Build Your Waco 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

Waco Refinance Mortgage Loans

Waco 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

Waco Cash-out Home mortgages

Waco 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

Waco Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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