District of Columbia Mortgage Lender

Home Loans in District of Columbia

Welcome to Capital Home Mortgage District of Columbia, where our goal is to provide District of Columbia Home Loans to District of Columbia 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 District of Columbia Mortgage Lender, Capital Home Mortgage District of Columbia 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 District of Columbia is a full service District of Columbia Mortgage Lender providing a complete line of mortgage products along with Great Mortgage Rates.  Whether you are a first-time purchaser seeking an District of Columbia FHA Home Loan,  an active or retired veteran in need of an District of Columbia VA Home Loan, or a seasoned buyer in need of an District of Columbia Conventional Home Loan, we are here to assist.   

Call today (800) 804-5181 to talk to one of our DC Loan Officers.

The District of Columbia, also known as Washington, D.C., is a distinct jurisdiction inside the United States.  As the country’s capital, it lacks the state-level structure found in other regions.  Instead, it is a federal district with direct congressional jurisdiction.

In terms of real estate, Washington, D.C. has a diverse and competitive market. The D.C. real estate market has fluctuated over time, driven by economic conditions, government activity, and local development projects.  

Washington, D.C. is separated into various neighborhoods, each with its own distinct flavor and property market. Georgetown, Dupont Circle, Capitol Hill, and Adams Morgan are some of the more well-known areas.

The city has a diverse range of housing alternatives, including antique row houses, modern condominiums, and apartment buildings. Property types can vary greatly amongst neighborhoods.

Home prices in Washington, D.C. are frequently higher than the national average, owing to the city’s reputation as the capital and its closeness to government buildings, cultural institutions, and employment prospects.

The rental market is also competitive, with a sizable proportion of the population preferring to rent rather than purchase. This is due in part to the population’s itinerant nature, which includes government officials, diplomats, and professional individuals.

The city has ongoing development initiatives aimed at regenerating certain sections, providing new amenities, and luring residents. These initiatives can have an impact on home values and the wider real estate market.

Many portions of Washington, D.C., are historically significant, which can have an impact on property preservation and redevelopment. Certain neighborhoods are recognized for their historic architecture and preservation initiatives.

Thank you again for your interest in Capital Home Mortgage District of Columbia and we look forward to providing your new mortgage.

District of Columbia Home Loans

District of Columbia Conventional Home Loans

District of Columbia 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.

District of Columbia FHA Home Loans

District of Columbia 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 a DC FHA home loan is consistent employment history and documented income.

District of Columbia VA Home Loans

District of Columbia VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in DC.  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.

District of Columbia Jumbo Home Loans

A District of Columbia 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).

District of Columbia Non QM Home Loans

District of Columbia 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.

District of Columbia One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A District of Columbia 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 DC 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 Payment

District of columbia 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

District of Columbia Mortgage Programs

District of Columbia Home Purchase loans

Looking to Purchase a District of Columbia 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

District of Columbia Reno Home Loans

Looking to Rehab a District of Columbia 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

District of Columbia FHA Home loans

Great 1st Time District of Columbia 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

District of Columbia va Home Loans

100% Financing for District of Columbia 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

District of Columbia Conventional loans

Flexibility for District of Columbia 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

District of Columbia Jumbo Home Loans

Non-Conforming District of Columbia 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

District of Columbia Manufactured loans

Great Alternative District of Columbia 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

District of Columbia Reverse Mortgages

Your District of Columbia 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

District of Columbia Non QM Home loans

Making District of Columbia 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

District of Columbia One Time Close Loans

Build Your District of Columbia 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

District of Columbia Refinance Mortgages

District of Columbia 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

District of Columbia Cashout Mortgages

District of Columbia 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

District of Columbia Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

District of Columbia Mortgage Reviews

State Specific Mortgage Information

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