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Home Loans In Mobile Alabama

Welcome to Capital Home Mortgage Mobile at Premier Mortgage Resources. Set along the Gulf of Mexico and north of Mobile Bay, Mobile is a historic city with new experiences to offer. In addition to housing the only saltwater port in the state of Alabama, Mobile is the origin city of the oldest organized Mardi Gras celebrations in the U.S. 

The real estate market here is quite active too. Mobile was ranked the 4th best city to live in Alabama

Are you planning to buy a home in Mobile, Alabama? Let’s walk you through the house buying timeline to know what to expect. 

4 Stages Of Buying A House In Mobile

1. Get A Mortgage Pre-Approval 

Getting pre-approved for a home loan is the first step for home buyers. 

Your mortgage lender will conduct a detailed check on your financial information, including a hard credit pull. This is when the lender formally requests to look at your credit file to determine your creditworthiness as a borrower. 

If they like what they see and you meet the other loan eligibility requirements, they’ll issue a letter detailing your pre-approval status and the loan amount they’re willing to offer. 

Your pre-approval letter is essential because it tells home sellers and agents that you won’t have trouble raising the needed funds for the purchase should they decide to sell the house to you. 

2. Go House Hunting

Armed with your pre-approval letter, you’re now ready to check out what the market has to offer. Consider many factors, especially since you might spend the next 10 to 30 years paying for the house. You can’t afford to get a property that will lead to buyer’s remorse down the line. 

An excellent way to save time in this step is to work with a real estate agent. You just let them know what you’re looking for in a property and how much you can afford. They’ll do the legwork and match you with a house that meets those parameters. 

3. Make Your Offer 

If you’ve found the right home, the next step is to submit your offer. Expect lots of negotiations at this stage. If you’re working with an agent, they can help with the necessary paperwork and can even handle negotiations on your behalf. 

You’ll want to start with a firm offer, so it immediately stands out to the seller. This is particularly useful if the house has attracted a lot of buyers and the seller has multiple offers on hand. 

4. Closing 

After successful negotiations with the seller, your lender will finalize your loan details and determine if your application is approved or rejected. 

If approved, you’ll proceed to the closing process with the lender. They will inform you of the final terms of the loan, as well as the closing costs to be paid. Once concluded, you’ll sign the necessary papers and take control of your new property. 

Mobile Alabama Mortgage Lender

As you can see from the above timeline, the lender plays a vital role in the home buying process. That’s why it’s crucial to choose a tried and proven Mobile mortgage lender. 

At Capital Home Mortgage Mobile, we are committed to providing a seamless home buying experience. We offer many home loan programs in Mobile, including FHA, VA, Conventional, USDA, HUD 184, and Jumbo home loans. 

Capital Home Mortgage Mobile is a direct mortgage lender meaning we control the entire home loan process. This way, we’re able to make decisions faster regarding loan applications and offer competitive interest rates for borrowers. 

Get In Touch With Our Home Loan Experts

Let us help you get the right home financing for your needs today. Give us a call at (205) 352-1030 to speak with our home loan experts in Mobile, Alabama. We look forward to working with you and providing your next Mobile home loan. 

Why mobile 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

Mobile 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Mobile Mortgage Programs

Mobile Home Purchase loans

Looking to Purchase a Mobile Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Mobile Renovation Home Loans

Looking to Rehab a Mobile Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Mobile FHA Home loans

Great 1st Time Mobile Homebuyers

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 Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Mobile va Home Loans

100% Financing for Mobile Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Mobile Conventional Home loans

Flexibility for Mobile Homebuyers

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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Mobile Jumbo Home Loans

Mobile Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Mobile USDA Home loans

100% Rural Mobile 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.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Mobile Native american Home Loans

Mobile Hud 184 Home 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
  • Purchase, Refinance, and Renovation

Mobile Manufactured Home loans

Great Alternative Mobile Housing

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
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Mobile Reverse Mortgage Loans

Your Mobile 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
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Mobile Non QM Home loans

Making Mobile Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Mobile One Time Close Home Loans

Build Your Mobile 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 Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Mobile Refinance Mortgage loans

Mobile 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.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Mobile Cashout Mortgage Loans

Mobile 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
  • Dream Vacation
  • Higher Education

Mobile Alabama Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Jordan Mowrey

SR Loan Officer
NMLS 210325

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