Capital Home Mortgage Pueblo
Mortgage Lender Pueblo Colorado
Home Loans In Pueblo, Colorado
Popularly known as America’s Home of Heroes, the city of Pueblo is the ninth most populous in Colorado. With 300 days of sunshine, the area is considered semi-arid desert land, which probably explains why Pueblo has a lower living cost than other major cities in Colorado.
Is homeownership in Pueblo on your agenda this year? Capital Home Mortgage can help make it happen. First, you must be approved for the right home loan. Your credit score will impact your chances of qualifying for the mortgage.
Your credit score will help lenders decide if they’ll finance your home loan, but it can also influence the interest rate that you’ll get. If your credit score could use a boost, let’s quickly walk you through how to go about it.
Credit Score Improvement Tips That Works
1. Put your recurring bills on autopay
Sometimes it’s hard to keep track of your bills and their respective due dates. It can lead to late or missed payments, which brings down your credit score. Enroll them into an autopay system to ensure you’re always paying your bills on time.
2. Tackle revolving debts
An example of revolving debt is your credit card debt. You can continue to use the card up to the limit. It’s crucial to tackle these first because it impacts your credit utilization ratio. Your credit utilization will improve your credit score by paying down your revolving credit balances.
3. Review your credit report
Errors on your credit report may be causing your scores to drop. Perhaps you have closed an account, but it is still showing on the credit report as an open account. If you notice any issues, raise a dispute to rectify them as soon as possible.
What if I need the home loan now, but my credit score is still low?
It will mostly depend on how low the credit score is. Some loan programs may be more accommodating than others when it comes to minimum credit score requirements. For example, FHA home loans can accept a credit score of 500, provided the applicant can make at least a 10% down payment.
Another option is to get a co-signer to apply for the loan with you — preferably someone with a good credit record. Remember, your co-borrower may have a perfect credit score. Still, if there are two borrowers on the application, the lender must use the lower of the two borrowers’ scores to qualify the loan accordingly.
Lastly, you can leverage your assets and use them as security against the loan. Some lenders may be willing to accept this since an asset-backed guarantee mitigates lending risk.
Pueblo, Colorado Mortgage Lender
At Capital Home Mortgage, we understand that obtaining the right home loan is no walk-in-the-park for many people. We are committed to providing a streamlined, hassle-free home loan experience every step of the way.
As a direct mortgage lender, we make all the decisions in the loan process, all the way through to the funding. It enables us to provide Pueblo home loans at competitive interest rates and lower processing fees. We also offer flexible loan underwriting and generally faster proper approvals.
Apply For A Home Loan In Pueblo, CO
Apply for a mortgage now and get started on the path to homeownership. You may apply online or over the phone.
Call (303) 226-1177 to connect with our Pueblo mortgage specialists. We’ll walk you through the process and offer expert advice on how to secure the right home loan for your needs.
Thank you for considering Capital Home Mortgage, and we look forward to providing your next home loan in Pueblo.
Why Pueblo 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
7 Day a Week Support Application to Final Mortgage Payment
Pueblo 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
Pueblo Mortgage Programs
Pueblo Home Purchase
Thinking of Buying a Pueblo 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
Pueblo renovation home loans
Looking to Rehab a Pueblo 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
Pueblo FHA Home Loans
Great for 1st Time Pueblo 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
Pueblo VA Home Loans
100% Financing for Pueblo 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
Pueblo Conventional Home Loans
Flexibility for Pueblo 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
Pueblo Jumbo Home Loans
Pueblo 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
Pueblo USDA Home Loans
100% Rural Pueblo 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
Pueblo Native American Loans
Pueblo 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
Pueblo Manufactured Home Loans
Great Alternative Pueblo 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
Pueblo reverse mortgages
Your Pueblo 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
Pueblo Non QM Home Loans
Making Pueblo 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
Pueblo One Time Close mortgages
Build Your Pueblo 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
Pueblo Refinance Mortgage Loans
Pueblo 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
Pueblo Cash-out Home mortgages
Pueblo 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