Capital Home Mortgage Wyoming

Casper Home Loans

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Casper Mortgage Lender

Home Loans In Casper, Wyoming 

Known for its beautiful scenery, open spaces, and abundant natural resources, Casper is the second-largest city in Wyoming. Located in east-central Wyoming, Casper has been nicknamed “The Oil City” thanks to the nearby Salt Creek Oil Field.

With a generally lower cost of living, the housing market here remains hot and may soon return to pre-pandemic times. With that in mind, now may be an opportune time to explore your options of owning a home in Casper

If this is your first time buying a home, we can help ensure a streamlined, stress-free process for you. At Capital Home Mortgage, we’re all about helping our clients secure the perfect home loan for their needs. Let’s walk you through our best tips for Casper’s enjoyable home buying process. 

Our Simplified Guide To Home Buying in Casper, Wyoming

Buying a house requires time and effort, even more so if this is your first time. The process can seem overwhelming since you might not yet know what to expect. Here’s what you need to know to make the process simpler and more streamlined. 

  • Start Your Research Early

As soon as you’ve decided to purchase a property, get started on your research. Nothing too detailed, but you’ll want to know the type of home you want and specific areas in the city where you prefer. 

  • Determine How Much House You Can Afford

The prevailing rule of thumb is to go for a house that costs no more than 36 – 45% of your household’s gross monthly income. The best way to be sure is to get pre-qualified and pre-approved for a home loan

Pre-qualification and pre-approval are similar in that they both involve submitting eligibility documents to a lender, who will then estimate how much loan they’re willing to offer. The main difference between the two is that pre-approvals involve more stringent checks and verifications and require more documentation. 

You have a clear idea of how much house you can afford by getting pre-approved. This helps to narrow your options and expedite decision-making. 

  • Improve Your Chances Of Securing A Home Loan 

In our experience, the biggest hurdle in the home buying process is securing the financing needed to close the deal. Before falling in love with a particular house, make sure you have a good chance of obtaining the right home loan.  

Remember that having a pre-approval letter doesn’t automatically mean that your loan application will be approved. 

Practical steps include getting your credit score up, lowering your debt-to-income ratio, and saving up for a sizable down payment. 

Find the Right Real Estate Agent

An excellent real estate agent helps take out most of the hassles of home buying. They can find the proper listing based on your specifications, take care of all the paperwork, and even handle negotiations with the seller on your behalf. 

Best of all, most agents are compensated from the commission on the sale of the property, so it’s not like hiring one represents a substantial financial outlay on your part. 

Casper, WY Mortgage Lender 

Capital Home Mortgage is here to cater to all your home loan needs in Casper. We are a direct mortgage lender, meaning we control every aspect of the loan process, including the funding. 

When working with Capital Home Mortgage, you can expect a straightforward loan application process and an enjoyable home buying experience. We offer flexible underwriting policies and competitive interest rates on our loan offerings. This way, you can get approved for the right loan faster. 

Get Your Home Loan In Casper

Talk to our mortgage specialists today about your home loan needs in Casper, Wyoming. Simply call us at (307) 365-6001 to get started. 

Why Casper is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Casper Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Casper Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Casper Mortgage Rates

Capital Home Mortgage Casper is dedicated to offering Great Casper Mortgage Rates.

Call now to speak with a Loan Officer or request a no-obligation custom rate quote.

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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Casper, Wyoming Mortgage Loans

Casper Home Purchase

Buying a Casper Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Casper Renovation Home Loans

Casper Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Casper FHA Home Loans

1st Time Casper Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Casper VA Home Loans

100% Loans For Casper Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Casper Conventional Home Loans

Flexibility for Casper Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Casper Jumbo Home Loans

Great Casper Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Casper USDA Home Loans

Rural Casper Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Casper Native American Loans

Casper HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Casper Manufactured Home Loans

Casper Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Casper Reverse Mortgages

Your Casper Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Casper Cash-Out Refinance

Houston Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Casper Mortgage Refinance

Casper Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Casper Wyoming 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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