Capital Home Mortgage
Mortgage Refinance
What is the Purpose of your Mortgage Refinance?
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FHA Home Refinance Loan
FHA offers a streamline refinances that simply reduces the interest rate and lowers the payment or shortens the term of the loan. This rate and term option can be fully documented loans, or can be reduced documentation. The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property. (Not Allowed in Texas)
FHA Standard Refinance
- Appraisal Required
- 97.75% Max Loan to Value
- Closing Costs Can Be Rolled In
- 80% Max Loan to for Cash-out
- Cash-out Option Available
- County Loan Limits Apply
FHA Streamline Refinance
- FHA to FHA
- No Income Qualification
- No Appraisal Required
- Closing Costs Cannot Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
VA Home Refinance Loan
VA Home Mortgages offers two types of refinances. The first is an Interest Rate Reduction Loan known as an IRRRL, which is a VA loan to VA loan. The second is full documentation as rate and term or cash-out. The IRRRL is the most popular refinance as it requires no income verification, no appraisal, requires that the mortgage payments have been paid on time for the past 7 months and that there is a tangible benefit for the veteran. Second is a full documentation loan requiring income verification and an appraisal. This can be either a rate and term conversion from another type of mortgage program or a cash-out of equity. (Texas Excluded)
VA Home Refinance
- Appraisal Required
- Closing Costs Can Be Rolled In
- 90% Max Loan for Rate and Term
- Cash-out Option Available
- Primary Residence Only
VA Streamline Refinance
- VA to VA
- No Appraisal Needed
- No Income Documentation Needed
- Reduced Funding Fee – Financed
- Primary and Investment Properties
USDA Home Refinance Loan
USDA Home Mortgages offer only USDA to USDA refinancing. All USDA program guidelines still apply including the geographical and income restrictions.
- Rural Properties Only
- Primary Residence Only
- New Manufactured Homes Allowed
- Closing Costs & Repairs Can Be Rolled In
Conventional Home Refinance Loan
- Primary, Secondary & Investment Properties
- Single Family, Duplex, Tri and 4-Plex
- Rate and Term
- Cash-Out Equity
- Loan to Value Restrictions Apply
- County Loan Limits Apply
Jumbo Home Refinance Loan
Jumbo Home Mortgage refinancing requires the same higher credit standards and equity that purchase transactions require.
- Up to 3 Million Loan Amounts
- Up to 90% Loan to Value (Credit Restrictions Apply)
- Base Loan Amounts Varies by State and County
- Subject to Investor Requirements
Reverse Mortgage Refinance
Covert a Traditional Mortgage into an Equity Line… Stop Monthly Mortgage Payments.
- Primary Residence Only
- Simple Qualifying – Equity Based
- Credit Scores Not Applicable
- Minimum Age 62
Native American Refinance Loan
Native American Home Loans have 3 types of refinances available, Full Documentation, Streamline and Rehabilitation.
Native American Renovation Refinance
- Appraisal Required
- 97.75% Max Loan to Value
- Closing Costs Can Be Rolled In
- 85% Max Loan to for Cash-out
- Cash-out Option Available
- County Loan Limits Apply
Native American Standard Refinance
- HUD 184 to HUD 184
- No Income Qualification
- No Appraisal Required
- Closing Costs Cannot Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
