Capital Home Mortgage Gilbert

Gilbert Home Loans

Apply Now in Minutes
Refinance Now and Save

Gilbert Arizona Mortgage Lender

Home Loans In Gilbert, Arizona

A city thriving in culture and abundant opportunities, Gilbert, Arizona, is a beautiful place to call home. There’s something for everyone here, whether you’re relocating to the city for work and need a starter home or looking to spend your retirement days in this fair city or anything else in between. 

Are you looking to buy a home in Gilbert? You’ll likely need a home loan to get the deal done. Capital Home Mortgage can help you secure the financing you need. Here are some of the different types of home loans available in Gilbert.

Different Types Of Home Loans In Gilbert, AZ

     1. FHA Home Loans

An FHA home loan is insured by the Federal Housing Administration (FHA) under the umbrella of Housing and Urban Development (HUD). It is perfect for first-time homebuyers or those with less than perfect credit. It only requires a minimum down payment of 3.5% and has more relaxed credit requirements than other types of loans. 

Usually, applicants with a credit score below 580 down to 500 may be eligible, provided they can raise a down payment of no less than 10% of the home’s purchase price. 

     2. VA Home Loans

This type of home loan is available to active military members, veterans, and spouses. It is backed by the US Department of Veterans Affairs and offers 100% financing, which means no down payment is required. However, it’s still a good idea to make a down payment to reduce the total loan amount and enjoy more competitive interest rates. 

     3. Conventional Home Loans

A conventional home loan is not backed by the government and typically has stricter credit requirements than other loans. However, it usually comes with a lower interest rate, and you may be able to put down a smaller down payment of at least 3 – 5%. 

Loan applicants who do not meet the eligibility requirements of government-insured home loans often opt for Conventional loans. 

     4. USDA Home Loans

A USDA home loan is an excellent option if you’re looking to buy a home in a rural area. The US Department of Agriculture guarantees this type of loan and offers 100% financing with no down payment required.

     5. Jumbo Home Loans

A jumbo loan is a mortgage used to finance high-priced/luxury homes. Even with a higher interest rate, it still keeps it to a minimum down payment of 20%. This type of loan can be a good option if you’re looking to buy an expensive home in Gilbert.

Capital Home Mortgage also offers a variety of other mortgage products, including renovation home loans, reverse mortgages, HUD 184 native American home loans, and mortgage refinance.

Gilbert, Arizona Mortgage Lender

In addition to helping you find the perfect home loan for your needs, our team at Capital Home Mortgage is here to ensure a smooth, stress-free application process. 

We are direct mortgage lenders, meaning everything from the application to pre-approval to underwriting and even funding of the loan is governed by us. This ensures a more straightforward process and lower fees and competitive interest rates on your chosen loan. 

Find Your Perfect Home Loan in Gilbert, AZ

To start your home loan process today, please call us at (480) 360-6650. Our home loan specialists are happy to discuss your home ownership plans and answer any questions you may have. We look forward to providing your next home loan in Gilbert. 

Why Gilbert is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Gilbert Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Gilbert Customer Service

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

Gilbert Mortgage Rates

Capital Home Mortgage Gilbert is dedicated to offering Great Gilbert 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

Gilbert Arizona Mortgage Loans

Gilbert Home Purchases

Buying a Gilbert Home?

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

Gilbert Renovation Home Loans

Gilbert Rehab Loans

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

Gilbert FHA Home Loans

1st Time Gilbert Homebuyers

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

Gilbert VA Home Loans

100% Loans for Gilbert Veterans

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

Gilbert Conventional Home Loans

Flexibility for Gilbert Buyers

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

Gilbert Jumbo Home Loans

Great Gilbert Rates

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

Gilbert USDA Home Loans

Gilbert Rural Properties

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

Gilbert Native American Loans

Gilbert HUD 184 Loans

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

Gilbert Manufactured Home Loans

Gilbert Home Loans

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

Gilbert Reverse Mortgages

Your Gilbert Home at Work

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

Gilbert Cash-Out Refinance

Gilbert Equity Refinance

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

Gilbert Mortgage Refinance

Gilbert Rate & Term Refinance

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

Gilbert 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

Gilbert Mortgage Company Reviews

Arizona Cities

Phoenix Home Loans

Tucson Home Loans

Mesa Home Loans

Chandler Home Loans

Glendale Home Loans

Scottsdale Home Loans

Gilbert Home Loans

Tempe Home Loans

Peoria Home Loans

Surprise Home Loans

Flagstaff Home Loans

Prescott Home Loans