Capital home mortgage - One Stop Lending Solutions

Thank you for visiting Capital Home Mortgage and for your interest in 13th Street Homes.  We are honored that your sales agent has entrusted us with the opportunity to provide your mortgage loan.Our goal is simple. To provide a stress free experience with competitive rates, low fees and superior service. Thank you again for giving us the opportunity to serve you.

Our Advantages

  • Dedicated Customer Lending Team
  • Quick Pre-Approvals
  • 48 Hr Loan Commitments
  • Lock the Rate at Time of Contract
    • 3,6,9 Month Options
  • No Payments During Construction for OTC
Manufactured Home Loan Benefits
chattel Mortgage Programs

True Home Only

True Home Only

  • Park Set
  • Family Land
  • Personal Land
  • 25 yr Term
  • Minimum Credit Score 550

Land in Lieu

Land Plus

  • Land Free and Clear
  • Includes Set
  • Land = 10% of Project
  • 30 yr Term
  • Minimum Credit Score 550

Conventional Land Home

Land Home

  • Purchasing Land
  • Land w Balance
  • Equity Applied
  • 30 yr Term
  • Minimum Credit Score 550
One Time Close Mortgage Programs

FHA Home loans

1st Time Homebuyer Loans

FHA Home Loans are great for first time buyers, buyers with less than perfect credit or needing less out of pocket. Call today to get started.

  • Smaller Down Payments
  • Higher Debt to Income
  • Gifts Allowed
  • Minimum Credit 620

va Home Loans

100% Financing for Vets

VA Home Loans are 100% Mortgages for Active Duty Servicemen and women, as well as, retired and Disabled Veterans.

  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher DTI
  • Minimum Credit 620

USDA Home loans

100% Rural Home Loans

USDA Home Loans are 100% Mortgages for families wanting to live in rural areas outside of the larger cities.

  • No Down Payments
  • Closing Costs Rolled In
  • Geographic & Income Limits
  • Minimum Credit 620

Hud184 Home Loans

Native American Loans

HUD 184 Home Loans are solely for Native Americans and offer a variety of benefits including low down and higher loan amounts

  • Manual Underwriting
  • Tribal Grants Allowed
  • Geographic Restrictions
  • Minimum Credit 620

13th Street Mortgage Team

Sandy Nichols

Client Relations Manager
Florida/Georgia

Kathy Rubin

Loan Assistant
NMLS 204449

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Capital Home Mortgage Company Reviews

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