Birmingham Mortgage Company
As a direct Birmingham Alabama mortgage lender and servicer Capital Home Mortgage Birmingham offers a complete line of mortgage products for every mortgage need. Whether you looking to buy your first Birmingham Alabama home, refinance your current Alabama mortgage or consolidating debt, our highly experienced Capital Home Mortgage Alabama team of professionals will work with you to find the best loan program to fit your budget and your individual needs. As no two loans are identical, we provide our loan officers the tools, support and flexibility to make the right decisions for their customers. This progressive approach to lending along with streamlined mortgage procedures is our way of making the American Dream of homeownership a reality for our customers.
Our dedicated team of mortgage professionals are focused on our customers and making sure that the home mortgage experience is smooth and stress free. Thank you for considering Capital Home Mortgage Birmingham as your partner in achieving your dream home ownership, we look forward to the opportunity to serve you.
Why Birmingham HomeBuyers 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 Mortgage Payment
Birmingham Alabama 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
Birmingham Mortgage Programs
Birmingham Home Purchase loans
Looking to Purchase a Birmingham Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Birmingham Renovation Home Loans
Looking to Rehab a Birmingham Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Birmingham FHA Home loans
Great 1st Time Birmingham Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Birmingham va Home Loans
100% Financing for Birmingham Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Birmingham Conventional Home loans
Flexibility for Birmingham Homebuyers
- Primary, 2nd Home, Investment Properties
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Mortgage Terms
- Renovation Programs Available
Birmingham Jumbo Home Loans
Birmingham Non-Confirming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Birmingham USDA Home loans
100% Rural Birmingham Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Birmingham Native american Home Loans
Birmingham Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Birmingham Manufactured Home loans
Great Alternative Birmingham Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Birmingham Reverse Mortgage Loans
Your Birmingham Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Birmingham Non QM Home loans
Making Birmingham Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment Properties
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Birmingham One Time Close Home Loans
Build Your Birmingham Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Birmingham Refinance Mortgage loans
Birmingham Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Birmingham Cashout Mortgage Loans
Birmingham Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
