Capital Home Mortgage Surprise

Surprise Home Loans

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Surprise Arizona Mortgage Lender

Home Loans In Surprise, Arizona 

Surprise, Arizona, is the home to the largest tennis complex and professionally designed golf courses in the Southwest. The city also boasts a budding real estate market with rising residential property values

While there are several ways to finance your home purchase in the elegant city of Surprise, getting a home loan remains one of the most reliable options available. If you’re considering purchasing a home in Surprise, AZ, here’s why you should consider funding the deal with a mortgage loan.

4 Smart Reasons To Get A Mortgage In Surprise, AZ 

     1. Fast and Convenient Application Process 

We can’t speak for other lenders, but we’ve made the home loan process straightforward here at Capital Home Mortgage. We are a direct mortgage lender, meaning we make all the decisions from pre-qualification to loan funding. This also allows us to offer flexible underwriting standards and quicker true approvals on your loan. 

     2. Competitive Rates

At Capital Home Mortgage, we go a step further by making sure to consider your circumstances and helping to put your dream home within reach with competitive interest rates and customized solutions. 

     3. Wide Range of Home Loan Programs

When you’re ready to get a mortgage in Surprise, AZ, you’ll have various loan options. You can choose from fixed-rate loans, adjustable-rate loans, government-backed loans, and more. 

Our popular home loan options include FHA, VA, USDA, Jumbo, Conventional, and HUD 184 loans. We also provide various mortgage products, such as Reverse Mortgages, Refinancing, and Renovation loans

     4. Low Down Payment 

While the ideal down payment starts at 20% of the property purchase price, many home loan programs offer much lower down payment requirements. For instance, Conventional loans typically require only a 3% down payment, while FHA loans have set a minimum of 3.5%. Some loans, such as the VA and USDA, don’t require a down payment. 

Surprise, AZ Mortgage Lender

At Capital Home Mortgage, we know how complex the home loan process in Surprise can be, especially for first-time homebuyers. We know the ins and outs of the local housing market and can help you find the perfect home loan for your needs without hassles. 

Your mortgage loan officer will also discuss your options and provide all the education and guidance you need to make an informed decision. 

Find The Right Home Loan In Surprise, Arizona 

Real estate will forever be an investment, and there’s no better time than now to get your home loan in Surprise, AZ. Contact Capital Home Mortgage at (480) 360-6650 to get started with a quick, no-obligation quote.

Why Surprise is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Surprise Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Surprise Customer Service

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

Surprise Mortgage Rates

Capital Home Mortgage Surprise is dedicated to offering Great Surprise 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

Surprise Arizona Mortgage Loans

Surprise Home Purchases

Buying a Surprise Home?

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

Surprise Renovation Home Loans

Surprise Rehab Loans

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

Surprise FHA Home Loans

1st Time Surprise Homebuyers

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

Surprise VA Home Loans

100% Loans for Surprise Veterans

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

Surprise Conventional Home Loans

Flexibility for Surprise Buyers

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

Surprise Jumbo Home Loans

Great Surprise Rates

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

Surprise USDA Home Loans

Surprise Rural Properties

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

Surprise Native American Loans

Surprise HUD 184 Loans

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

Surprise Manufactured Home Loans

Surprise Home Loans

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

Surprise Reverse Mortgages

Your Surprise Home at Work

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

Surprise Cash-Out Refinance

Surprise Equity Refinance

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

Surprise Mortgage Refinance

Surprise Rate & Term Refinance

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

Surprise 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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