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 LoansVA Home LoansConventional Home LoansUSDA Home LoansJumbo 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
  • No Credit Score Requirements
  • REverse, Renovation, Manufactured

Renovation Home Loans

Looking to Rehab an Older Home?

Don’t want to move? But want a new place or a fresh look? Why not look at a renovation loan? Call today to discuss how renovation loans options.

  • 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 Buyers

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 Veteran Loans

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 Buyers

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 discuss options.

  • 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 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

Manufactured, Modular, Barndominium

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 Mortgage Loans

Making Mortgages Possible

Looking for Non Traditional Mortgage?  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

Home Purchase Lender

Buying a Home?

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

Renovation Home Loans

Renovation Fannie Mae Homestyle Lender

Rehab Loans

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

FHA Home Loans

FHA Home Lender

1st Time Homebuyers

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

VA Home Loans

VA Home Lender

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

Jumbo Home Loans

Non Conforming Loans

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

USDA Home Loans

Rural Properties

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

Native American Home Loans

HUD 184 Native American Home Loans

HUD 184 Loans

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

Manufactured Home Loans

Manufactured Home Lender

Manu, Modular, Barndominium

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

Reverse Mortgage Loans

Reverse Mortgage Home Lender

Your Home at Work

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

Non Qualified Mortgages

Making Mortgages Possible

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

One Time Close Construction

One Time Close Construction Lender

Build Your Dream Home

  • Primary Residence Only
  • One Time Close
  • Lock Rate at Contract
  • Traditional Final Mortgages

Mortgage Refinance

Mortgage Refinance Lender

Rate & Term Refinance

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

Cash Out Refinance

Equity Mortgage Loans

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education
State Specific Mortgage Information
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