Capital Home Mortgage Tucson

Tucson Home Loans

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Tucson Arizona Mortgage Lender

Home Loans In Tucson, Arizona

Known for its beautiful desert landscape and abundance of outdoor activities, Tucson is the second-largest city in the state of Arizona. 

If you’re looking to buy a home in Tucson, the vibrant city offers a lot. Real estate in Tucson is rebounding to pre-pandemic figures and rates. Tucson’s cost of living is around 6% lower than the national average. 

Like most people, you’ll likely need a home loan to purchase your dream home in Tucson. We can help. At Capital Home Mortgage, we pride ourselves on delivering an enjoyable, one-of-a-kind home buying experience. 

Here’s what you need to know about obtaining a home loan in Tucson. 

4 Important Things To Keep In Mind When Applying For A Mortgage

     1. Decide what kind of home loan you need

There are many different types of home loans available, each with its own set of terms and eligibility requirements. Some of the most common home loans that we offer include FHA, Conventional, VA, USDA, and Jumbo loans

We can help you decide which type of loan is right for you based on your financial situation and home buying needs. 

     2. Get your down payment ready

The down payment is the amount of money you’ll put towards purchasing your home upfront. It is one of the most significant factors in getting approved for a home loan. 

Every home loan program has its minimum down payment requirement. For instance, the down payment for Conventional loans is at least 3%, whereas a VA loan has a 0% down payment required. In any case, the ideal down payment is 20% of the total home purchase price.

     3. Try to get your credit score up

This is another crucial factor in getting approved for a home loan. Lenders will use your credit score to determine whether you’re a good candidate for a loan. The higher your credit score, the more likely your loan application will be approved.

You’ll also likely qualify for a lower interest rate if you have a good credit score. That can save you a lot of money over the term of your loan.

     4. Get pre-approved before house hunting

It’s a good idea to get pre-approved before looking for homes. That way, you’ll know exactly how much you can afford.

The pre-approval process involves completing an application with a lender who will pull your credit report and review your financial history. Based on this information, they’ll give you a pre-approval letter. This letter will state the amount of money you’re eligible to borrow. 

Tucson, Arizona Mortgage Lender

Capital Home Mortgage Tucson is here to cater to your home loan needs. In addition to offering various home loan programs, we also provide step-by-step assistance throughout the application process. 

As direct mortgage lenders, we control various aspects of the home loan process, including underwriting and setting interest rates. We also provide our services with lower fees since there are no unnecessary third parties involved. 

Get Your Home Loan In Tucson Today!

Whether you’re a first-time homebuyer or looking to refinance your current mortgage in Tucson, our experienced loan specialists are here to provide any assistance needed. Simply call us at (480) 360-6650 to get started. 

Why Tucson is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Tucson Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Tucson Customer Service

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

Tucson Mortgage Rates

Capital Home Mortgage Tucson is dedicated to offering Great Tucson 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

Tucson Arizona Mortgage Loans

Tucson Home Purchases

Buying a Tucson Home?

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

Tucson Renovation Home Loans

Tucson Rehab Loans

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

Tucson FHA Home Loans

1st Time Tucson Homebuyers

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

Tucson VA Home Loans

100% Loans for Tucson Veterans

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

Tucson Conventional Home Loans

Flexibility for Tucson Buyers

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

Tucson Jumbo Home Loans

Great Tucson Rates

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

Arizona USDA Home Loans

Tucson Rural Properties

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

Tucson Native American Loans

Tucson HUD 184 Loans

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

Tucson Manufactured Home Loans

Tucson Home Loans

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

Tucson Reverse Mortgages

Your Tucson Home at Work

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

Tucson Cash-Out Refinance

Tucson Equity Refinance

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

Tucson Mortgage Refinance

Tucson Rate & Term Refinance

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

Tucson 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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