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Flagstaff Arizona Mortgage Lender

Home Loans In Flagstaff, Arizona

Popularly called “The City of Seven Wonders,” Flagstaff is one of Arizona’s most exciting, adventure-filled cities. Some of its most famous attractions include the Coconino National Forest, Grand Canyon, Oak Creek Canyon, San Francisco Peaks, Sunset Crater, and many more. 

Our team at Capital Home Mortgage can help you get the financing you need. We are committed to educating our clients, so they make informed mortgage decisions.

With that in mind, let’s give you a quick walkthrough of the two most common home loan terms in Flagstaff — 15 years and 30 years so you can easily understand which is suitable for your situation. 

Fundamentals of 15- and 30-Year Mortgages

15-Year Mortgage Loan

As the name implies, a 15-year mortgage loan means the life of the loan is 15 years. In other words, you will have to make monthly payments for 15 years to repay the loan.

  • The primary advantage of a 15-year mortgage loan is that you will save money on interest because the loan will be paid off in a shorter time.
  • The disadvantage of a 15-year mortgage loan is that your monthly payments will be higher because you are paying off the loan in a shorter time. Plus, the chance of getting approved for this kind of loan may be lower, particularly for first-time borrowers, since the monthly payments are higher and few first-timers have the financial capacity. 

30-Year Mortgage Loan

In the same vein, a 30-year mortgage loan means the life of the loan is 30 years. You will have to make monthly payments for 30 years to repay the loan entirely.

  • The advantage of a 30-year mortgage loan is that your monthly payments will be lower because you are paying off the loan over a more extended period. Another advantage of this loan is that it’s easier to get approved for this kind of loan since the monthly payments are lower.
  • The main disadvantage of a 30-year mortgage loan is that you will end up paying more interest because the loan will take longer to pay off.

What Makes A Mortgage Right For You?

Now that you understand the basics of 15 vs. 30-year mortgages in Flagstaff, AZ, it’s time to decide which one is right for you. To make this decision, you need to consider your financial situation and what you can afford.

If you can afford the higher monthly mortgage payments of a 15-year mortgage loan, this may be the right choice for you. However, a 30-year mortgage loan may be the better option if you need a lower monthly price.

Flagstaff, AZ Mortgage Lender

Capital Home Mortgage Flagstaff is here to provide all the guidance in obtaining the right home loan for your needs. As a direct mortgage lender, we provide comprehensive services from pre-approval to home buying assistance.

We offer a wide selection of Flagstaff home loans, including Conventional, Jumbo, USDA, FHA, and Native American loans. Our team will work closely with you to ensure a smooth, hassle-free home loan process from start to finish. 

Get Your Dream Home With Capital Home Mortgage Flagstaff

Owning a home is a dream shared by many. At Capital Home Mortgage, we pride ourselves on making this dream a reality for our clients. Give us a call today at (480) 360-6650 to speak with our loan officers about your home loan in Flagstaff. 

Why Flagstaff is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Flagstaff Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Flagstaff Customer Service

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

Flagstaff Mortgage Rates

Capital Home Mortgage Flagstaff is dedicated to offering Great Flagstaff 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

Flagstaff Arizona Mortgage Loans

Flagstaff Home Purchases

Buying a Flagstaff Home?

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

Flagstaff Renovation Home Loans

Flagstaff Rehab Loans

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

Flagstaff FHA Home Loans

1st Time Flagstaff Homebuyers

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

Flagstaff VA Home Loans

100% Loans for Flagstaff Veterans

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

Flagstaff Conventional Home Loans

Flexibility for Flagstaff Buyers

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

Flagstaff Jumbo Home Loans

Great Flagstaff Rates

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

Flagstaff USDA Home Loans

Flagstaff Rural Properties

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

Flagstaff Native American Loans

Flagstaff HUD 184 Loans

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

Flagstaff Manufactured Home Loans

Flagstaff Home Loans

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

Flagstaff Reverse Mortgages

Your Flagstaff Home at Work

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

Flagstaff Cash-Out Refinance

Flagstaff Equity Refinance

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

Flagstaff Mortgage Refinance

Flagstaff Rate & Term Refinance

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

Flagstaff 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

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