Capital Home Mortgage Wichita Falls

Wichita Falls Home Loans

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Mortgage Lender Wichita Falls

Home Loans In Wichita Falls, Texas

Welcome to Capital Home Mortgage – Wichita Falls. Wichita Falls is the 38th-most populous city in Texas. It is home to Sheppard Air Force Base, its giant technical training wing, and the Euro-NATO Joint Jet Pilot Training program.

The real estate market in Wichita Falls is somewhat competitive. Home appreciation is up 19.7% in the last 12 months, compared to home appreciation over the previous ten years, only 6.2%.

Transitioning from renting to owning a home is easily one of the most exhilarating decisions you’ll make. Homeownership is something that many people dream of, and to be in a situation where you feel financially capable of pursuing that dream is a huge accomplishment. It’s something to be proud of and an excellent investment for you and your family.

Step-by-Step Guide To Buying A Home

As excited as you are to purchase your first home finally, it’s essential to take things in stride and make sure you’re making the best decisions. Here are a few crucial tips for first-time homebuyers to keep in mind.

     1. Educate yourself and determine what you can afford.

Buying a home will probably be one of the most expensive purchases of your life, so it’s only fitting that you learn as much as you can about it before taking the plunge. First, you’ll need to understand the importance of your credit score and how it affects your home-buying experience. You’ll also need to determine how much you can realistically afford based on your current income and financial status. 

There are homebuyer’s education classes and a wealth of information online to help you better grasp the home-buying process and make sound decisions that may save you thousands of dollars.

     2. Explore down payment assistance and first-time homebuyer programs.

As you move forward in the home-buying process, you’ll find out that there are several loan options exclusively for first-time homebuyers.

The government offers particular loans to those who have yet to buy a house. Often, these programs include special incentives that remove some restrictions on home loans and reduce some of the costs associated with the purchase process. Some programs can help you save money both upfront and over the term of your mortgage.

     3. Work with a reliable team of professionals.

Several professionals are involved in the home-buying process: a real estate agent,  an attorney, a home inspector, and of course, your mortgage lender. 

The excellent team of real estate professionals can help you answer any questions and offer you guidance no matter what stage you are in your homeownership journey.

     4. Get pre-approved with a lender before looking for the right home.

Obtaining a pre-approval letter from a lender allows you to present a serious home offer and shows your capacity to make the purchase.

Sellers and agents take offers from pre-approved buyers more seriously, increasing the likelihood of accepting your offer.

     5. Close the loan and get the keys to your new house.

When you’ve finally found a property you wish to purchase, choose a lender you feel confident and at ease with before signing anything. Ask as many questions as you need to feel comfortable with your lender, as they are there to serve your best interests.

After your home loan is approved and the mortgage details are sorted out, prepare all the fees and documents needed to close the loan, where you’ll get the keys to your new home!

Wichita Falls, Texas Mortgage Lender

How do you get a first-time homeowner’s loan? Let Capital Home Mortgage assist you in finding the best mortgage for first-time home buyers

As a direct mortgage lender in Texas, Capital Home Mortgage can provide a range of possibilities for first-time home buyers. Whether you want to pursue a traditional fixed-rate mortgage or looking to avail of government-insured home loans with a low down payment, we can make it happen for you! We have the resources to hook you up with a program that will benefit you in the long term.

We’re The Best Team For The Job

It can be challenging for first-time homebuyers to obtain a home loan. Still, our mortgage specialists at Capital Home Mortgage are experts at navigating the complexities of the home loan process. We’ve made homeownership possible for many people, and we’d be happy to do the same for you too!

Call us at 800-860-4565 and speak with one of our Home Loan Specialists. We look forward to providing your Wichita Falls home loan.

Why Wichita Falls 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

Wichita Falls 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
Wichita Falls Mortgage Programs

Wichita Falls Home Purchase

Thinking of Buying a Wichita Falls 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

Wichita Falls renovation home loans

Looking to Rehab a Wichita Falls 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

Wichita Falls FHA Home Loans

Great for 1st Time Wichita Falls 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

Wichita Falls VA Home Loans

100% Financing for Wichita Falls 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

Wichita Falls Conventional Home Loans

Flexibility for Wichita Falls 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

Wichita Falls Jumbo Home Loans

Wichita Falls 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

Wichita Falls USDA Home Loans

100% Rural Wichita Falls 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

Wichita Falls Native American Home Loans

Wichita Falls 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

Wichita Falls Manufactured Home Loans

Great Alternative Wichita Falls Housing

Wichita Falls reverse mortgages

Your Wichita Falls 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

Galveston Non QM Home Loans

Making Galveston 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

Wichita Falls One Time Close Home Loans

Build Your Wichita Falls 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

Wichita Falls Refinance Mortgage Loans

Wichita Falls 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

Wichita Falls Cash-out Home mortgages

Wichita Falls 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

Wichita Falls Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Wichita Falls Mortgage Company Reviews

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