Capital Home Mortgage California

California Home Loans

Home Purchase
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California Mortgage Lender

Welcome to Capital Home Mortgage California. First, we want to thank you for the opportunity to earn your mortgage business.  We understand that purchasing a home is the biggest decision of the most people lives and why Capital Home Mortgage provides dedicated points of contact throughout the entire mortgage process.  This ensures a stress free smooth experience finishing with an on time closing.  After all buying a home should be exciting, not stressful.  California Mortgage Lender, Capital Home Mortgage controls the lending process from start to finish.  This means from application to funding we make every decision.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.  Capital Home Mortgage is a full service California Mortgage Company providing a complete line of mortgage products along with great California Mortgage Rates. Whether you are a first time homebuyer looking at a California FHA Home Loan, an active duty or retired veteran needing a California VA Home Loan, or a seasoned buyer requesting a California Conventional Home Loan. We are here to help. Thank you again for your interest in Capital Home Mortgage California and we look forward to providing your new mortgage.

Why California is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great California Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

California Customer Service

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

California 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

California Mortgage Loans

California Home Purchase

Buying a California Home?

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

California Renovation Home Loans

California Rehab Loans

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

California FHA Home Loans

1st Time California Homebuyers

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

California VA Home Loans

100% Loans for California Veterans

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

California Conventional Home Loans

Flexibility for California Buyers

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

California Jumbo Home Loans

Great California Rates

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

California USDA Home Loans

California Rural Properties

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

California Native American Loans

California HUD 184 Loans

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

California Manufactured Home Loans

California Mobile Homes

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

California Reverse Mortgages

Your California Home at Work!

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

California Mortgage Refinance

California Cash-out or Rate and Term

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

California Non Qualified Mortgage

Making California Mortgages Possible

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

California Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

California Mortgage Company Reviews

California Cities

Los Angeles Home Loans

San Diego Home Loans

San Jose Home Loans

San Francisco Home Loans

Fresno Home Loans

Sacramento Home Loans

State Specific Mortgage Information
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