Capital Home Mortgage Scottsdale

Scottsdale Home Loans

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Scottsdale Arizona Mortgage Lender

Home Loans In Scottsdale, Arizona

Home to some of the world’s finest golf courses and luxury resorts, the city of Scottsdale is a one-of-a-kind destination. Top it all off with over 300 days of annual sunshine, stellar nightlife scenes, and outdoor adventures, and you’d be hard-pressed to find a more exciting place in Arizona. 

However, Scottsdale is not just a playground for the rich and famous. The city is also a great place to raise a family or start a business. Scottsdale’s real estate has been thriving recently, and now may be the opportune moment to push through on your plans to buy a house here. 

The first important step in buying your dream home in Scottsdale is to get pre-approved for a home loan. Your lender will usually ask you to provide several documents to meet the loan eligibility requirements. These include pay stubs, tax statements, asset statements, credit information, etc. 

Why You Should Get Pre-Approved Before Shopping

     1. To be seen as a serious buyer

Having a mortgage lender backing your offer makes sellers see you as a serious buyer. It shows that you’re committed to buying and have the means. This can be the deciding factor in whether the seller chooses to sell the house to you. 

     2. Get an idea of how much loan you can afford

A pre-approval letter from a mortgage lender tells you exactly how much money you can afford to spend on a home. It considers your income, debts, and other financial factors to create a realistic budget. This can prevent you from overspending on a home out of your price range.

     3. Know how much you need for a down payment

The pre-approval process will also give you a better idea of how much money you need for a down payment. This is the money you’ll need to spend upfront to purchase the home. If you can afford it, getting a down payment of at least  20% of the purchase price is ideal because it means a lower principal loan amount and more favorable interest rates. 

     4. Have a leg up on the competition

In a competitive real estate market like Scottsdale, being pre-approved for a mortgage can give you an edge over other buyers who haven’t gone through the process. This means you’re more likely to have your offer accepted on the home you want.

     5. Save time and hassle

Going through the pre-approval process before shopping for a home can save you time and hassle. You’ll already have a financing deal lined up when you find the perfect home. This can speed up buying a home and make it less stressful.

With all that said, keep in mind that getting pre-approved for a loan is not an automatic guarantee that your application will be approved. The lender will usually ask for your income and asset documentation to move forward with your loan.

Scottsdale, Arizona Mortgage Lender

At Capital Home Mortgage Scottsdale, we pride ourselves on our straightforward, efficient mortgage solutions. We offer a wide range of loan products to fit our client’s requirements. As direct mortgage lenders, we oversee every aspect of the loan application, allowing us to provide competitive rates, flexible underwriting, and quicker approvals.

Our experienced loan officers are ready to help you get pre-approved for a home loan in Scottsdale, AZ. Additionally, we’ll assist you throughout the process and help ensure a smooth home buying experience. 

Find Your Dream Home In Scottsdale, AZ

Are you thinking of making Scottsdale, AZ, your home? Let Capital Home Mortgage help you obtain the financing you need to make it a reality today. Call us at (480) 360-6650 to discuss your mortgage needs. 

Why Scottsdale is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Scottsdale Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Scottsdale Customer Service

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

Scottsdale Mortgage Rates

Capital Home Mortgage Scottsdale is dedicated to offering Great Scottsdale 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

Scottsdale Arizona Mortgage Loans

Scottsdale Home Purchases

Buying a Scottsdale Home?

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

Scottsdale Renovation Home Loans

Scottsdale Rehab Loans

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

Scottsdale FHA Home Loans

1st Time Scottsdale Homebuyers

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

Scottsdale VA Home Loans

100% Loans for Scottsdale Veterans

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

Scottsdale Conventional Home Loans

Flexibility for Scottsdale Buyers

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

Scottsdale Jumbo Home Loans

Great Scottsdale Rates

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

Scottsdale USDA Home Loans

Scottsdale Rural Properties

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

Scottsdale Native American Loans

Scottsdale HUD 184 Loans

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

Scottsdale Manufactured Home Loans

Scottsdale Home Loans

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

Scottsdale Reverse Mortgages

Your Scottsdale Home at Work

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

Scottsdale Cash-Out Refinance

Scottsdale Equity Refinance

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

Scottsdale Mortgage Refinance

Scottsdale Rate & Term Refinance

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

Scottsdale 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

Scottsdale Mortgage Company Reviews

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