Capital Home Mortgage
US Purchase Home Loans
US Purchase Mortgage Lender
Welcome to Capital Home Mortgage. As a Purchase Mortgage Lender we are dedicated to provide homebuyers with Purchase Home Loans at competitive Purchase Mortgages Rates with low fees while ensuring outstanding customer service. We understand that a Home Purchase can be stressful and is one of the biggest decisions in most peoples lives. That is why we provide dedicated points of contacts to guide buyers through the home buying process while educating them on the different types of home purchase loans. Our goal is to make the home buying experience quick and easy while helping buyers evaluate and make the best decision on the loan that fits their individual needs.
Whether you are a first-time home buyer seeking a FHA Purchase Loan, looking at a rural property and needing a USDA Purchase Loan, a Native American Purchase Loan, a an active duty or retired veteran in need of VA Purchase Loan, or a seasoned buyer in need of a Conventional Home Loan, we can help.
Capital Home Mortgage is a Purchase Mortgage Lender that manages the entire lending process from application to the funding. Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.
Call today (800) 536-8171 to talk to one of our Purchase Loan Officers.
US Purchase Mortgage Rates
US Purchase Home Loans
Capital Home Mortgage offers a variety of Mortgage Programs with competitive Purchase Mortgage Rates. A brief summary is below as well as key points to understand in the home buying process.
- Down Payment: The initial payment made towards the purchase of the home, usually calculated as a percentage of the total purchase price.
- Interest Rates: The rate at which the lender charges you to borrow the money. Rates can be fixed (unchanging throughout the loan term) or adjustable (fluctuating over time).
- Loan Term: The duration of the loan, commonly 15 or 30 years, though other terms may be available.
- Closing Costs: Fees associated with finalizing the mortgage, including loan origination fees, appraisal fees, title insurance, and more.
- Pre-Approval vs. Pre-Qualification: Pre-qualification is an initial assessment of your ability to qualify for a loan based on self-reported information. Pre-approval involves a lender’s detailed review of your financial information and credit score to determine the specific loan amount you’re eligible for.
- Credit Score: A major factor in determining loan eligibility and interest rates. Higher credit scores often lead to lower interest rates.
- Private Mortgage Insurance (PMI): Required for conventional loans with less than a 20% down payment, PMI protects the lender in case the borrower defaults on the loan.
- Home Appraisal: Conducted by a professional to determine the fair market value of the property being purchased.
Home Purchase Loans
- Primary, Secondary, Investment
- FHA, VA, USDA, Native American
- Conventional, Jumbo, Non QM
- Reverse, Renovation, Manufactured
fixed rate Mortgage Loans
All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.
Adjustable Rate Mortgage Loans
Adjustable Rate Mortgage Loans known as ARM’s are available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment. ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.
Purchase Home Loans
construction Purchase Home loans
Purchase Renovation Home Loans
Manufactured Home Loans
US Purchase Mortgage Loans
Capital Home Mortgage is a full-service Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a FHA Home Loan, looking for a rural property and needing a USDA Home Loan, a Native American wanting to use the HUD 184 Native American Home Loan, an active or retired veteran in need of a VA Home Loan, wanting to purchase that dream home over conforming limits with a Jumbo Home Loan, a seasoned buyer in need of a Conventional Home Loan or looking for alternative financing with a Non QM Home Loan we are here to assist.
Call today (800) 536-8171 to talk to one of our Loan Officers.
FHA Purchase Home Loans
VA Purchase Home Loans
USDA Purchase Home Loans
Native American Purchase Home Loans
Conventional Purchase Home Loans
Jumbo Purchase Home Loans
non qualified Purchase Home Loans
Why Americans 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
Capital Home Mortgage Company Reviews
US Mortgage Team
Business Development
Home Mortgage Programs
Home Purchase loans
Looking to Purchase a Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Renovation Home Loans
Looking to Rehab a Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
FHA Home loans
Great 1st Time Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
va Home Loans
100% Financing for Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Conventional Home loans
Flexibility for Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Jumbo Home Loans
Non-Conforming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
USDA Home loans
100% Rural Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Native american Home Loans
Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Manufactured Home loans
Great Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Reverse Mortgage Loans
Your Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Non QM Home loans
Making Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
One Time Close Home Loans
Build Your Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Refinance Mortgage loans
Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Cashout Mortgage Loans
Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education