Capital Home Mortgage Montgomery

Montgomery Home Loans
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Montgomery Alabama Mortgage Lender

Home Loans In Montgomery Alabama 

Welcome to Capital Home Mortgage Montgomery at Premier Mortgage Resources.  Situated along the famous Alabama River, the capital city of Montgomery is home to bustling urban areas and diverse neighborhoods. It also boasts thriving arts and entertainment scene and several educational institutions. 

According to the Alabama Center for Real Estate, the market remains competitive in Montgomery’s housing situation. This makes it one of the more attractive cities in Alabama for people to own property. 

Are you planning on buying a home in Montgomery, Alabama?

Capital Home Mortgage can help you with your home financing needs. We offer a wide selection of Montgomery home loans to meet different borrowers’ needs. We understand that applying for a home loan can be complex, especially your first time. Check out our best tips for streamlining the process.

4 Tips For A Simpler Home-Buying Process

1. Get Your Finances In Order 

Buying a house is a huge undertaking, so you need to be sure that your finances can take the impact without affecting your other current obligations. 

One particular thing you’ll want to pay attention to is your credit report. Mortgage lenders will want to see a favorable credit score before evaluating a loan application. The higher the score, the better your chances of landing a loan with favorable terms. 

2.  Understand Your Loan Options

Home loans vary across several parameters. For example, Jumbo home loans are specifically for financing high-worth properties, whereas VA home loans are only available to U.S. veterans (active and retired). 

The eligibility requirements for each type of home loan differ vastly too. It’s essential to understand your options and find the right one to meet your home buying requirements. You can visit our Loan Programs page to learn more. 

3. Prep Your Documents For Pre-Approval 

Mortgage pre-approval means that you’ve found a reliable mortgage lender, and they have acknowledged in writing that you have met the preliminary requirements necessary to submit a loan application. 

Of course, pre-approval does not automatically guarantee loan approval, but it is a critical step in the overall process. Many home sellers will not entertain offers from potential homebuyers who have not yet been pre-approved for a mortgage. The usual documents to prep for pre-approval include: 

  • Recent 30-day paycheck stubs;
  • Last two years’ W2s, 1099s, etc.
  • Last two months’ bank statements
  • Identification documents 

4. Look Out For Additional Costs 

Buying a home typically comes with additional costs that may or may not be covered by the loan amount. Mostly, these are costs associated with closing the sale — home inspection fees, property taxes, deed title insurance, homeowner association dues, and more. 

The seller may help offset some of these costs in some cases by seller concessions, but it’s important to be prepared for them nonetheless. 

Montgomery Alabama Mortgage Lender

At Capital Home Mortgage, we’re all about making your home buying experience as hassle-free as possible. As a direct Montgomery mortgage lender, we control the home loan process from application to funding. This means we’re able to offer competitive rates, quicker approvals, and lower fees. 

Whether this is your first time getting a home loan or your tenth, expect Capital Home Mortgage to provide excellent customer service every step of the way. 

Find The Right Home Loan In Montgomery

In Montgomery, Alabama, your journey to homeownership begins with a simple phone call. Contact us at (205) 352-1030 to speak with our experienced loan officers about your home loan needs. We look forward to providing you with your next Montgomery mortgage loan.

Why montgomery 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

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

Montgomery Home Purchase loans

Looking to Purchase a Montgomery 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

Montgomery Renovation Home Loans

Looking to Rehab a Montgomery 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

Montgomery FHA Home loans

Great 1st Time Montgomery 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

Montgomery va Home Loans

100% Financing for Montgomery 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

Montgomery Conventional Home loans

Flexibility for Montgomery 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

Montgomery Jumbo Home Loans

Montgomery 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

Montgomery USDA Home loans

100% Rural Montgomery 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

Montgomery Native american Home Loans

Montgomery 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

Montgomery Manufactured Home loans

Great Alternative Montgomery 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

Montgomery Reverse Mortgage Loans

Your Montgomery 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

Montgomery Non QM Home loans

Making Montgomery 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

Montgomery One Time Close Home Loans

Build Your Montgomery 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

Montgomery Refinance Mortgage loans

Montgomery 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

Montgomery Cashout Mortgage Loans

Montgomery 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

Montgomery 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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