Capital Home Mortgage Mesa

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Mesa Arizona Mortgage Lender

Home Loans In Mesa, Arizona

If you’re looking for stunning desert views and an affordable cost of living in Arizona, the city of Mesa is the perfect place to be. This city is known for the Superstition Mountains, which offer scenic hiking and camping opportunities.

Mesa is a great place to raise a family or retire with exciting city life and various outdoor activities. But before making a move, you’ll need to sort out how to afford your home purchase. 

For many would-be homeowners, buying a house means getting a mortgage loan. If this is your first time applying for a home loan, you’ll need to avoid common pitfalls associated with the process. Here’s what you need to know. 

Common Mistakes To Avoid When Applying For A Home Loan 

     1. Having a sub-par credit score

Lenders will use your credit score to determine your loan eligibility, interest rate, and terms. It’s essential to know your mortgage FICO score before shopping for a home to be prepared.

Ideally, you want to have a credit score of at least 620 before commencing the application process. You might not even qualify for a loan if your score is lower. While some loan programs may accept a low credit score (500 – 580), they usually come with strict terms, such as higher interest and more significant down payment requirements. 

You can improve your credit score by paying off debts and maintaining a good payment history.

     2. Not budgeting for all of the expenses

There are a lot of expenses that come with buying a home, and it’s easy to forget about them in the excitement of becoming a homeowner. Remember to budget for closing costs, homeowners insurance, and property taxes. These can add up quickly, so it’s essential to prepare for closing costs and prepaid items.

     3. Not getting pre-approved before house hunting

When you’re ready to start shopping for a home, a critical step is to get pre-approved for a home loan. This will give you an idea of how much you can afford. It’s essential to get pre-approved before looking at homes to avoid falling in love with something you can’t afford. This will waste your time and make you look unserious. 

     4. Not shopping around for the best rate

Interest rates can significantly impact how much you will need to pay every month on your loan. 

Take the time to look around for the best interest rate

At Capital Home Mortgage, we pride ourselves on providing some of the most competitive rates in Arizona. 

     5. Not reading the fine print

When you’re ready to sign the dotted line, it’s essential to read through the entire mortgage agreement. This is a binding contract, and you’ll be responsible for the terms laid out in it. Make sure you understand everything before appending your signature on the document.

Mesa, Arizona Mortgage Lender

Having a smooth and stress-free mortgage experience is our number one priority at Capital Home Mortgage. Here, we provide expert guidance to our clients every step of the way. Our mortgage specialists will discuss your home loan needs and help ensure that you avoid these mistakes when applying for your home loan. 

Capital Home Mortgage is a direct mortgage lender, meaning we make all the decisions regarding your home loan application. With no unnecessary intermediary or third party involved, we can offer our services at lower fees and more flexibility. 

Get Started On Your Home Ownership Journey In Mesa

Contact us today at (480) 360-6650 to get started with a no-obligation quote on your home loan needs. Our loan officers are standing by to walk you through the process and ensure a smooth home buying experience from start to finish. 

Thank you for visiting our website, and we look forward to providing your next home loan in Mesa, Arizona. 

Why Mesa is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Mesa Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Mesa Customer Service

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

Mesa Mortgage Rates

Capital Home Mortgage Mesa is dedicated to offering Great Mesa 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

Mesa Arizona Mortgage Loans

Mesa Home Purchases

Buying a Mesa Home?

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

Mesa Renovation Home Loans

Mesa Rehab Loans

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

Mesa FHA Home Loans

1st Time Mesa Homebuyers

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

Mesa VA Home Loans

100% Loans for Mesa Veterans

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

Mesa Conventional Home Loans

Flexibility for Mesa Buyers

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

Mesa Jumbo Home Loans

Great Mesa Rates

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

Mesa USDA Home Loans

Mesa Rural Properties

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

Mesa Native American Loans

Mesa HUD 184 Loans

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

Mesa Manufactured Home Loans

Mesa Home Loans

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

Mesa Reverse Mortgages

Your Mesa Home at Work

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

Mesa Cash-Out Refinance

Mesa Equity Refinance

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

Mesa Mortgage Refinance

Mesa Rate & Term Refinance

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

Mesa 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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