Capital Home Mortgage Montgomery

Montgomery Home Loans

Apply Now in Minutes
Refinance Now and Save

Montgomery Alabama Mortgage Lender

Home Loans In Montgomery, Alabama 

Welcome to Capital Home Mortgage Montgomery. 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 is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Montgomery Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Montgomery Customer Service

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

Montgomery Mortgage Rates

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

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

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

Montgomery Alabama Mortgage Loans

Montgomery Home Purchases

Buying a Montgomery Home?

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

Montgomery Renovation Home Loans

Montgomery Rehab Loans

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

Montgomery FHA Home Loans

1st Time Montgomery Homebuyers

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

Montgomery VA Home Loans

100% Loans for Montgomery Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Montgomery Conventional Home Loans

Flexibility for Montgomery Buyers

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

Montgomery Jumbo Home Loans

Great Montgomery Rates

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

Montgomery USDA Home Loans

Montgomery Rural Properties

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

Montgomery Native American Loans

Montgomery HUD 184 Loans

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

Montgomery Manufactured Home Loans

Montgomery Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Montgomery Reverse Mortgages

Your Montgomery Home at Work

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

Montgomery Cash Out Refinance

Montgomery Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Montgomery Mortgage Refinance

Montgomery Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Montgomery 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

Alabama Mortgage Company Reviews

Alabama Cities

Birmingham Home Loans

Montgomery Home Loans

Mobile Home Loans

Huntsville Home Loans

Tuscaloosa Home Loans

Hoover Home Loans