Capital Home Mortgage Tucson
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 HomeBuyers are Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates and Low Fees
Exceptional Service
7 Day a Week Support Application to Final Mortgage Payment
Tucson Arizona Mortgage Rates
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
Arizona Mortgage Programs
Arizona Home Purchase
Thinking of Buying an Arizona 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, Secondary, Investment
- FHA, VA, USDA, Native American
- Conventional, Jumbo, Non QM
- Reverse, Renovation, Manufactured
Arizona renovation home loans
Looking to Rehab an Arizona Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan? Purchase the Perfect Home and make it your own. Call today.
- Remodel, Renovate or Repairs
- FHA 203K Streamline or full
- fannie mae homestyle reno
- freddie mac home choice reno
Arizona FHA Home Loans
Great for 1st Time Arizona 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 Payment
- Flexible Underwriting
- Higher Debt to Income Ratios
- Lower Credit Scores OK
Arizona VA Home Loans
100% Financing for Arizona Veterans
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- Simply Qualifying for Veterans
- No Down Payments Requirements
- Lower Credit Scores Accepted
- Manual Underwriting Allowed
Arizona Conventional Home Loans
Flexibility for Arizona 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
- Great Rates & Low Fees
- Single Family and Multi-Family
- Renovation Loan Programs
Arizona Jumbo Home Loans
Arizona Non Conforming Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today to speak to a loan officer.
- Primary Residence and 2nd Homes
- Higher Loan Amounts – 3 Million
- Great Interest Rates
- Investor Specific Guidelines
Arizona USDA Home Loans
100% Arizona Rural 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.
- Rural Properties Only
- Primary Residence Only
- Geographic Restrictions
- Income REstrictions
Arizona Native American Home Loans
Arizona 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
Arizona Manufactured Home Loans
Great Alternative Arizona 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
- OTC Land/ Home Combo
- Lock Rate Before Completion
- FHA, VA, USDA, & Native Loans
Arizona reverse mortgages
Your Arizona 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
- credit scores not applicable
- Minimum age 62
Arizona Non QM Home Loans
Making Arizona Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Rate and Term & Cash-out
- Primary, Secondary and Investment
- Full Doc & Bank Statements Programs
- Corporations OK
Arizona One Time Close mortgages
Build Your Arizona 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 Residence Only
- Close Once
- Lock Rate at Contract
- Traditional Final Mortgage
Arizona Refinance Mortgage Loans
Arizona Rate & Term Refinance
Refinancing can be a hard decision and the payback can sometimes be confusing. Call today and let our Loan Officers walk you through the process.
- Reduce Mortgage Term
- Lower Monthly Payments
- Appraisal Waivers
- Streamline Options Available
Arizona Cash-out Home mortgages
Arizona Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Vacation or Education
