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Home Loans In Hoover, Alabama

Located in north-central Alabama, Hoover is the largest suburban city and the sixth-largest city in the state of Alabama. Hoover has recently been named the “Best Place to Live in Alabama” according to 24/7 Wall Street. This is due to the city’s high ratings in economy, affordability, community, and quality of life, making it ideal for families and seniors to live.

Indeed, living in Hoover is a dream for many, and it can be for you too. 

Are you looking to purchase a home in Hoover, Alabama? Capital Home Mortgage can help you obtain the right financing program. What type of home loan can you qualify for? 

Types of Mortgage Products In Hoover

Choosing the best mortgage product is important because they involve large financial transactions that take years to pay. Here are the common mortgage products offered today.

  • Fixed-Rate Mortgage

These mortgages have a fixed interest rate over the loan term of anywhere between 10 – 30 years. The main advantage of this mortgage is that you can compute payments from day zero until the last payment date.

  • Adjustable-Rate Mortgage

ARM’s main characteristic is the change of rates after the fixed period. A 5/1 ARM has a fixed rate for the first five years and changes interest rates annually. ARMs usually come at a “teaser rate” lower than most loans.

  • FHA Mortgage

The Federal Housing Administration backs home loans of moderate to low-income borrowers. Since the government insures these loans, banks tend to ease up and accept down payments as low as 3.5% and credit scores as low as 580. 

  • VA Mortgage

Whether retired or in service, the men and women of the US Military can get a VA home loan with zero down payment, no loan limits, no mortgage insurance, and 4% seller concessions. 

  • USDA Mortgage

The U.S. Department of Agriculture guarantees USDA loans to borrowers looking to own homes in a designated rural area. There is no down payment required, no restrictions on seller concessions, but credit, income, and asset restrictions may apply.

  • Jumbo Mortgage

If the house you want is above the limits set by Fannie Mae and Freddie Mac, jumbo loans are the best for you. However, only borrowers with credit scores of 740 and above may qualify for this one.

Hoover, Alabama Mortgage Lender

Are you looking to get a home loan in Hoover, Alabama? Our experienced loan officers at Capital Home Mortgage can help. We offer a wide range of home loan programs, including government-backed loans, Jumbo loans, conventional loans, and even refinancing and renovations. 

Capital Home Mortgage handles all mortgage applications until funding as a direct mortgage lender. Since we finance all approved loans, our underwriting and processing policies are more flexible to suit your specific needs. We also provide competitive interest rates and lower fees, and excellent customer service from start to finish. 

Get A Home Loan In Hoover

Getting the right home loan in Hoover, Alabama, starts with a simple phone call. Talk to our loan officers today about your home financing needs. Reach us at (205) 352-1030 to get started. 

 

Why Hoover is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Hoover Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Hoover Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Hoover Mortgage Rates

Capital Home Mortgage Hoover is dedicated to offering Great Hoover Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Hoover Alabama Mortgage Loans

Hoover Home Purchases

Buying a Hoover Home?

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

Hoover Renovation Home Loans

Hoover Rehab Loans

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

Hoover FHA Home Loans

1st Time Hoover Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Hoover VA Home Loans

100% Loans for Hoover Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Hoover Conventional Home Loans

Flexibility for Hoover Buyers

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

Hoover Jumbo Home Loans

Great Hoover Rates

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

Hoover USDA Home Loans

Hoover Rural Properties

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

Hoover Native American Loans

Hoover HUD 184 Loans

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

Hoover Manufactured Home Loans

Hoover Mobile Home Loans

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Hoover Reverse Mortgages

Your Hoover Home at Work

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

Hoover Cash Out Refinance

Hoover Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Hoover Mortgage Refinance

Hoover Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Hoover Alabama Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Kelvin Thompson

Loan Officer
NMLS 2050042

Amy Bird

Loan Officer
NMLS 169849

Cristina Roca

Loan Officer
NMLS 1926089

Hoover Mortgage Company Reviews

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