Capital Home Mortgage Connecticut

Connecticut Home Loans
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Connecticut Mortgage Lender

Home Loans in Connecticut

Welcome to Capital Home Mortgage Connecticut, where our goal is to provide Connecticut Home Loans to Connecticut homebuyers and homeowners with low rates and fees while providing exceptional service.

First, we want to thank you for the opportunity to earn your business.  We understand that purchasing a home is the biggest decision of the most people lives and that is 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.

As a direct Connecticut Mortgage Lender, Capital Home Mortgage Connecticut controls the lending process from start to finish.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.  This control means from application to funding we make every decision.

Capital Home Mortgage Connecticut is a full-service Connecticut Mortgage Lender that offers a wide range of mortgage products as well as competitive Connecticut Mortgage Rates.  Whether you are a first-time purchaser seeking an Connecticut FHA Home Loan, looking for a rural property and needing an Connecticut USDA Home Loan, a Native Connecticuter wanting to use the HUD 184  Connecticut Native American Home Loan, an active or retired veteran in need of an Connecticut VA Home Loan, or a seasoned buyer in need of an Connecticut Conventional Home Loan, we are here to help.  

Call today (860) 310-1144 to speak with our Connecticut Loan Officers.

Connecticut is located in the New England region of the northeastern United States and is a relatively small state in terms of land area.  The state is known for its diverse geography, including coastal areas along Long Island Sound, hilly and wooded regions, and the Connecticut River Valley.  Connecticut has a diverse economy with strengths in industries such as finance, insurance, manufacturing, and healthcare.  The state is home to several prestigious universities, including Yale University in New Haven.

Connecticut played a significant role in the early history of the United States and was one of the original thirteen colonies.  The state has a vibrant cultural scene, with museums, theaters, and historical sites.  Connecticut’s real estate market varies by location.  In general, Connecticut’s home prices are higher than the national average.  Cities like Greenwich and Westport are noted for having some of the most expensive real estate in the state.  

Connecticut’s real estate market has followed similar tendencies to those seen elsewhere in the United States.   Some regions have a more suburban or rural character, while others are more metropolitan and densely packed. The type of surroundings can influence housing options and pricing.  The Connecticut economy is strong in finance, insurance, manufacturing, and healthcare, all of which can have an impact on the housing market.

Thank you again for allowing us to help you with your Connecticut Home Loan.

Connecticut Home Loans

Connecticut Conventional Home Loans

A Connecticut Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Connecticut FHA Home Loans

Connecticut FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for an Arkansas FHA home loan is consistent employment history and documented income.

Connecticut VA Home Loans

Connecticut VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Connecticut.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Connecticut USDA Home Loans

Connecticut USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Connecticut Jumbo Home Loans

A Connecticut Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Connecticut Non QM Home Loans

Connecticut Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Connecticut Native american Home Loans

A Connecticut Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Connecticut Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Connecticut One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Connecticut One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Connecticut HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Connecticut 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Connecticut Home Mortgage

Connecticut Home Purchase loans

Looking to Purchase a Connecticut 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, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Connecticut Renovation Home Loans

Looking to Rehab a Connecticut Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Connecticut FHA Home loans

Great 1st Time Connecticut 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 Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Connecticut va Home Loans

100% Financing for Connecticut Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Connecticut Conventional Home loans

Flexibility for Connecticut 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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Connecticut Jumbo Home Loans

Non-Confirming Connecticut Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Connecticut USDA Home loans

100% Connecticut 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.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Connecticut Native american Home Loans

Connecticut 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
  • Purchase, Refinance, and Renovation

Connecticut Manufactured Home loans

Great Alternative Connecticut 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
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Connecticut Reverse Mortgage Loans

Your Connecticut 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
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Non QM Home loans

Making Connecticut Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Connecticut One Time Close Home Loans

Build Your Connecticut 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 Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Connecticut Refinance Mortgage loans

Connecticut 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.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Connecticut Cashout Mortgage Loans

Connecticut 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
  • Dream Vacation
  • Higher Education

Connecticut Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Connecticut Mortgage Company Reviews

Connecticut Cities

Bridgeport Home Loans

New Haven Home Loans

Stamford Home Loans

Hartford Home Loans

Waterbury Home Loans

Danbury Home Loans

State Specific Mortgage Information
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