Capital Home Mortgage Arizona

Arizona FHA Home Loans

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Arizona FHA Direct Lender

Welcome to Capital Home Mortgage Arizona. Are you wondering about Arizona FHA Home Loans and if an FHA loan is right for you?  We can help you understand the advantages of a Arizona FHA Home Mortgage and if it is the right loan for you. Capital Home Mortgage is a direct Arizona FHA mortgage lender offering great mortgage rates with low fees.  Meaning Capital Home Mortgage Arizona has FHA direct endorsement authority to underwrite and approve your loan allowing complete control of the loan process and loan approval providing a streamline decision making the experience quick and stress-free. 

Ready to get started?  Call now and one of our mortgage professionals will answer your questions and walk you through the pre-approval.  Thank you for allowing us the opportunity to provide your home financing needs.

Why Arizona is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Arizona Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Arizona Customer Service

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

Arizona FHA Mortgage Rates

Capital Home Mortgage Arizona is dedicated to offering great Arizona FHA Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Arizona Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

John Kardow

Loan Officer
NMLS 210892

Todd McManigal

Loan Officer
NMLS 267557

Cristina Roca

Loan Officer
NMLS 1926089

Arizona FHA Purchase Loan

FHA Home Loans are mortgage loans for 1st time home buyers, buyers with limited credit, buyers with less than perfect credit and buyers with higher debt to income ratios.  As the goal of FHA is to make homeownership more attainable, FHA underwriting guidelines are less strict than other mortgage loan programs.  This FHA flexibility allows for easier loan qualification making the barrier to homeownership less challenging.

FHA Home Loans are mortgage loans for 1st time home buyers, buyers with limited credit, buyers with less than perfect credit and buyers with higher debt to income ratios.  As the goal of FHA is to make homeownership more attainable, FHA underwriting guidelines are less strict than other mortgage loan programs.  This FHA flexibility allows for easier loan qualification making the barrier to homeownership less challenging.
  • Simple Qualifying
  • Small Down Payment
  • Seller Paid Closing Costs to 6%
  • Flexible Underwriting
  • Higher Debt to Income Ratios Allowed
  • Lower Credit Scores Allowed
    • 580 with 3.5% Down Payment
    • 500 with 10% Down Payment
  • Manufactured Housing OK (Subject to Restrictions)

Arizona FHA Refinance Loan

FHA offers a streamline refinance program that simply reduces the interest rate and lowers the payment or shortens the term of the loan.  This rate and term option can be fully documented loans, or can be reduced documentation.  The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property. (Not Allowed in Texas)

FHA offers a streamline refinance program that simply reduces the interest rate and lowers the payment or shortens the term of the loan.  This rate and term option can be fully documented loans, or can be reduced documentation.  The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property. (Not Allowed in Texas)
  • Streamline – Rate and Term Only
    • No Appraisal
    • No Income Verification
  • Full Documentation
    • Rate and Term
    • Closing Costs Can be Rolled In
    • Lower Credit Scores Allowed
      • 580 with 3.5% Down Payment
      • 500 with 10% Down Payment
    • Manufactured Housing OK (Subject to Restrictions)

Arizona FHA 203K Loan

Not Sure? Take a Look at Other Arizona Mortgage Programs

Arizona Mortgage Company Reviews

What is a FHA Mortgage Loan?

FHA stands for “Federal Housing Administration” which is part of HUD ”Housing and Urban Development”.Established in 1934 and prompted by the great depression FHA had one goal: to make homeownership affordable. A great step in our nation’s history as the majority of Americans were renters, not having large down payments that traditional banks required.It is important to understand that FHA doesn’t lend money.  FHA instead provides lenders a guarantee that covers the lenders from loss in the event of a foreclosure. It simple terms FHA insures the portion of the loan that a buyer would have would normally had to put down to qualify for a traditional loan, allowing for small down payments to purchase.  All FHA loans require mortgage insurance.  The mortgage insurance comes in an upfront fee, which can be financed into the loan and a monthly fee made through the mortgage payment.  These installments from the payments support the guarantee fund and makes FHA loans possible.  This fee is fixed for the term of the loan and is the same regardless of credit.