Tempe Mortgage Lender
Welcome to Capital Home Mortgage Tempe, where we are committed to helping homebuyers and homeowners achieve their dreams with tailored Tempe home loans. Our mission is to provide highly competitive mortgage rates and low fees, ensuring you receive the best possible value. At the heart of our service is an unwavering dedication to delivering an outstanding customer experience. We believe every step of your home financing journey should be met with support, clarity, and care.
We are honored by the opportunity to earn your business and recognize the profound significance of purchasing a home. For most, it’s a life-changing decision—the foundation of a secure future and where memories are made. At Capital Home Mortgage Tempe, we understand the weight of this decision, which is why we go above and beyond to create a mortgage experience that’s as efficient as it is. From the beginning, you’ll be connected with a dedicated mortgage expert who will guide you through the entire process, ensuring your questions and concerns are answered. Our goal is to make the journey as smooth as possible, leading to a stress-free, on-time closing. After all, buying a home is an exciting new chapter, and we want to help you focus on the joy it brings, not the complexities of the process.
Capital Home Mortgage Tempe is a direct mortgage lender that handles every aspect of the lending process in-house. This means that from the moment you apply to the final approval and closing, you’re working closely with our team of experienced professionals. With in-house processing and underwriting, we are able to deliver quick decisions based on common-sense assessments, ensuring that your loan process moves forward without unnecessary delays. Our streamlined approach allows for faster approvals and closings so you can move into your new home sooner and with greater peace of mind.
Whether you’re a first-time homebuyer, looking to refinance, or searching for the right loan for your next move, Capital Home Mortgage Tempe is here to assist you with personalized solutions that meet your needs. Our team of knowledgeable Tempe loan officers is ready to provide expert advice and guidance tailored to your unique situation.
Don’t hesitate to reach out today at (480) 360-6650 to speak with one of our Tempe loan experts. Let us show you how easy and stress-free the mortgage process can be when you have the right team by your side. Together, we’ll turn your ownership dreams into reality with the personalized service and expertise that sets us apart.
The city of Tempe is home to Arizona’s festivals and fairs. With so many attractions and things to do in Tempe, it’s no wonder many people are looking to purchase a home in the city.
With relatively affordable housing compared to other cities in Arizona, Tempe’s current real estate market is heating up. If you’re considering getting in on the action, we’d love to help you make it happen. At Capital Home Mortgage, we provide expert home loan assistance and funding.
Is this your first time buying a home in Tempe? Here are some of our best tips to make the process simpler.
5 Tips for First-Time Homebuyers in Yuma, AZ
- Get pre-approved for a mortgage
This process involves talking to a lender and submitting relevant financial documents to support your credibility.
Getting pre-approved before house hunting gives you a clear idea of how much you can afford to spend on a home, which in turn helps you narrow your focus on properties within your price range.
- Know your must-haves vs. your wants
When looking at homes, it’s easy to get caught up in all the fanciful features. However, knowing the difference between your must-haves and your wants is essential.
Your must-haves are the things that you need in a home. For example, if you have a family, you may need a certain number of bedrooms and bathrooms. On the other hand, your wants are things that would be nice to have but aren’t necessarily deal-breakers, like a specific type of kitchen design or yard layout.
- Research different neighborhoods
Your neighborhood will impact your living experience almost as much as the design and functionality of your home. And given that you’re likely to spend the next ten or more years of your life paying for the property, you’ll want to ensure it is in the right neighborhood.
Tempe is a large city with many different neighborhoods, each with its own personality.
Finding a community where you feel comfortable and meet your needs is crucial. For example, if you have kids, you may want to look for a neighborhood with good schools.
- Choose the right deal for you
Mortgages are not one size fits all. Many types of mortgage deals are available, so it’s essential to understand your options and choose the right one.
The mortgage you choose will depend on factors like your down payment, credit score, employment history, and more. Our loan officers will take the time to explain these details and work with you to select the perfect home loan program for your situation.
- Know your closing costs
When you’re buying a home, you need to be aware of a lot of additional costs. These include home inspections, appraisal fees, insurance, and more.
These closing costs can be high, so it’s important to factor them into your budget.
Tempe, AZ Mortgage Lender
Planning your home financing in Tempe doesn’t have to be stressful. At Capital Home Mortgage, we are a one-stop resource for all your mortgage loan needs, from pre-approval to purchasing a home.
Our lineup of mortgage products includes:
- FHA Home Loans
- VA Home Loans
- USDA Home Loan
- Conventional Home Loans
- Jumbo Home Loans
- Non-Qualified Mortgage Loans
- Manufactured Home Loans
- Native American Home Loans
- Renovation Home Loans
- Reverse Mortgages
Because we’re a direct mortgage lender, we can offer competitive interest rates and low fees.
Ready to Apply for a Tempe, AZ Home Loan?
Capital Home Mortgage offers a streamlined home loan process whether you’re a first-time homebuyer or seasoned real estate investor, our experienced mortgage specialists are available to answer questions. Contact us today at (480) 360-6650 to get started.
We look forward to providing your next home loan in Tempe.
Tempe Arizona Mortgage Rates
Tempe Real estate Market
Tempe has experienced rapid population growth and economic expansion in recent years, driving demand for housing. The city’s vibrant job market, diverse economy, and quality of life have attracted newcomers across the country. The Tempe real estate market has seen strong demand for homes, particularly in desirable neighborhoods and suburbs. Low mortgage rates, population growth, and a healthy economy have fueled this demand, leading to competitive bidding wars and rising prices.
Like many other major cities, Tempe has experienced significant appreciation in home prices. Limited inventory and high demand have pushed prices upward, making it challenging for some buyers, especially first-time buyers or those on a tight budget, to enter the market.
Downtown Tempe and surrounding urban neighborhoods have undergone revitalization, with new developments, entertainment venues, and amenities attracting residents and investors. Condominiums and townhomes in these areas appeal to buyers seeking a vibrant urban lifestyle.
Tempe’s suburbs have also experienced substantial growth as residents seek more space, better schools, and a quieter lifestyle. Suburban areas like Franklin, Brentwood, and Hendersonville offer a wide range of housing options and have become increasingly popular among homebuyers.
A shortage of inventory has been a significant challenge in the Tempe real estate market, contributing to its competitive nature and putting upward pressure on prices. Builders have been working to meet demand, but new construction has struggled with population growth.
Tempe’s real estate market has attracted interest from investors looking to capitalize on the city’s growth and rental demand. Investment properties, including single-family homes, multi-family units, and short-term rentals, offer opportunities for rental income and long-term appreciation.
The Tempe real estate market remains competitive and dynamic, offering opportunities for buyers, sellers, and investors alike.
Tempe Home Mortgages
Capital Home Mortgage Tempe is a comprehensive mortgage lender in Tempe, providing a wide array of home loan options tailored to residents’ needs. Our offerings include Tempe Purchase Home Loans, Tempe Renovation Home Loans, Tempe Construction Home Loans, Tempe Manufactured Home Loans, Tempe Rate and Term Refinance Home Loans, and Tempe Cash-Out Home Loans.
Tempe Purchase Mortgages
Capital Home Mortgage Tempe is dedicated to offering Tempe home buyers a complete line of Tempe Home Purchase Loans. We understand that purchasing a a home can be stressful and is one of the biggest decision in most peoples lives. That is why we provide dedicated contacts to guide buyers through the home buying process while educating them on the different types of home loans. Our goal is to make the home buying experience quick and easy while helping buyers evaluate and make the best decision on the loan that fits their individual needs.
Tempe REfinance Mortgages
Tempe Rate and Term Refinance Home Loans are a type of refinance in which the borrower replaces the current mortgage with a new mortgage. A rate & term refinance aims to obtain better loan terms, such as a reduced interest rate, thereby lowering the monthly payment or a different loan duration to either lower the payments or shorten the mortgage term, which may or may not result in a lower monthly payment. Additionally, a rate and term refinance can convert from one loan program to another, possibly eliminating the need for mortgage insurance.
Tempe Cash out Mortgages
Tempe Cash-Out Refinance Home Loans differ from rate and term refinances in that they allow homeowners to borrow against the equity in their homes by refinancing their current mortgage for an amount greater than the existing loan balance. The homeowner receives the difference in cash or can use the funds to consolidate date that is paid at closing. The other main differences is that cash-out refinances have lower loan to value limits than rate and term refinances and can have slightly higher rates.
Tempe Construction Mortgages
Tempe One-Time Close Construction Home Loans are distinct from traditional construction home loans in combining the construction loan and the permanent mortgage into a single loan. This means you only have to go through the application and closing process once, saving time and money. A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed. A One-time close loan can also be combined with other standard mortgage products, resulting in much smaller down payments.
Tempe Renovation Mortgages
Want a new Tempe home? Don’t want to purchase a home from a builder? Do you prefer an older home’s charm or a mature neighbourhood’s elegance? Or do you like the perfect location close to town? Making your dream home come true might be updating that older home. Capital Home Mortgage Tempe offers all Tempe Renovation Home Loans to make this happen. Simply put, we will handle and walk you through the complexities of a construction or rehab loan.
Tempe Manufactured Mortgages
A Tempe Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation. Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes. They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards. Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages. Contact us today to learn about Tempe Manufactured Home Loans.
Tempe Home Purchase Mortgage Loans
Capital Home Mortgage Tempe is a full-service Tempe Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a Tempe FHA Home Loan, looking for a rural property and needing a Tempe USDA Home Loan, a Native Tennessean wanting to use the HUD 184 Tempe Native American Home Loan, an active or retired veteran in need of a Tempe VA Home Loan, wishing to purchase that dream home over conforming limits with a Tempe Jumbo Home Loan, a seasoned buyer in need of a Tempe Conventional Home Loan or looking for alternative financing with a Tempe Non QM Home Loan we are here to assist.
Call today (480) 360-6650 to talk to one of our Tempe Loan Officers.
Tempe FHA Home Loans
A Tempe FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender. FHA loans are designed for low-to-moderate-income applicants and first-time homebuyers who need a smaller down payment. However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements, and the ability to use gift funds for down payments. Other eligibility requirements for a Tempe FHA home loan are consistent employment history and documented income.
Tempe VA Home Loans
A Tempe VA Home Mortgage is an option for qualified veterans, active-duty service members, and select surviving spouses in Tempe. These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI). VA home loans are widely available, with competitive interest rates and liberal credit standards.
Tempe USDA Home Loans
A Tempe USDA Home Mortgage is a zero-down mortgage program the US Department of Agriculture (USDA) provides to assist low-to-moderate-income buyers. USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct. The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA. To be eligible for USDA financing, the residence must be located in an approved rural area, and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.
Tempe Native American Home Loans
A Tempe Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Tempe Native Americans. This loan offers more accessible credit qualifications and tribal grants and can be used to renovate the home along with the purchase.
Tempe Conventional Home Loans
A Tempe Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements. These loans can be used for primary residences, secondary and investment properties. Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment. Conventional Home Loans are called Conforming loans and have capped loan limits updated annually on January 1st based on the median selling price within a local area.
Tempe Jumbo Home Loans
A Tempe Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits. These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase. Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).
Tempe Non Qualified Home Loans
A Tempe Non-Qualified Mortgage, also known as a non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage. Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.
Tempe Reverse Home Loans
A Tempe Reverse Mortgage, also known as a home equity conversion mortgage, is a type of loan available to homeowners typically aged 62 or older. It allows them to convert part of the equity in their home into cash. Unlike a traditional mortgage, where the borrower makes monthly payments to the lender, a reverse mortgage pays the homeowner either through a lump sum, monthly payments, or a line of credit.
Why Tempe is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Competitive Rates & Fees
Direct Lender with Complete Mortgage Programs
Exceptional Service
Customer Support Application to Final Payment
Tempe Mortgage Company Reviews
Tempe Mortgage Team
Tempe Mortgage Programs
Tempe Home Purchase loans
Looking to Purchase a Tempe Home?
Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
- Primary, 2nd Home, Investment
- Competitive Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Tempe Renovation Home Loans
Looking to Rehab a Tempe Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Tempe FHA Home loans
Great 1st Time Tempe Homebuyers
FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket. Call today to get started.
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Tempe va Home Loans
100% Financing for Tempe Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Tempe Conventional Home loans
Flexibility for Tempe Homebuyers
Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Tempe Jumbo Home Loans
Tempe Non-Conforming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Tempe USDA Home loans
100% Rural Tempe Home Loans
USDA Loans are a great option for families wanting to live outside of the city. Call today to speak with a loan officer to discuss your personal loan options.
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Tempe Native american Home Loans
Tempe Hud 184 Home Loans
HUD 184 Home Loans are solely for Native American and offer a variety of benefits. Call today to speak with a loan officer to find out more.
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Tempe Manufactured Home loans
Great Tempe Alternative Housing
Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Tempe Reverse Mortgage Loans
Your Tempe Home at Work
Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Tempe Non QM Home loans
Making Tempe Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Tempe Construction Home Loans
Build Your Tempe Dream Home
Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan. Call today to see how a OTC loan works.
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Tempe Refinance Mortgage loans
Tempe Rate & Term Refinance
Refinancing can be a hard decision and may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Tempe Cashout Mortgage Loans
Tempe Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
Arizona Cities
State Specific Mortgage Information
