Capital Home Mortgage

Making Dreams Possible

Home Purchase

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Here at Capital Home Mortgage our goal is simple, to provide our clients with great mortgage rates, low fees and a stress free experience. Capital Home Mortgage can accomplish this by controlling the entire lending process from application to funding. Our in house loan processing and underwriting allows for quick make sense approvals and on time closings. Capital Home Mortgage understands that purchasing a home is the biggest decision of most peoples lives. Which is why we offer our customers dedicated points of contact to keep all parties engaged during the loan process.

Capital Home Mortgage is a full-service Home Mortgage Company offering a full line of mortgage products including FHA Home Loans, VA Home Loans, Conventional Home Loans, USDA Home Loans, Jumbo Home Loans, HUD Native American Home Loans and Reverse Mortgages. Thank you again for your interest in Capital Home Mortgage, your full service Mortgage Company… We look forward to providing your home financing.

Why HomeBuyers Are Choosing Capital Home MortgagE

Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7 Day a Week Support Application to Final Mortgage Payment

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

Capital Home Mortgage Programs

Home Purchase

Thinking of Buying a Home?

Looking to Purchase a Home? We have the loan 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

renovation home loans

Looking to Rehab an Older Home?

What 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

FHA Home Loans

Great for 1st Time 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

VA Home Loans

100% Financing for 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

Conventional Home Loans

Flexibility for 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

Jumbo Home Loans

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

USDA Home Loans

100% Rural 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

Native American Home Loans

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

Manufactured Home Loans

Great Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.

Existing Purchase or Refinance
OTC Land/ Home Combo
Lock Rate Before Completion
FHA, VA, USDA, & Native Loans

reverse mortgages

Your 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

Non QM Home Loans

Making 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

One Time Close Home mortgages

Build Your 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

Refinance Mortgage Loans

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

Cash-out Home mortgages

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

Capital Home Mortgage Loan Programs

Home Purchase

Buying a Home?

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

Renovation Home Loans

Rehab Loans

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

FHA Home Loans

1st Time Homebuyers

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

VA Home Loans

100% Veteran Loans

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

Conventional Home Loans

Flexibility for Buyers

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