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Mortgage Lender Hialeah Florida

Home Loans In Hialeah

Hialeah is a city in Florida’s Miami-Dale County. Hialeah is the sixth-most populous city in Florida and the second-most populous city in the Miami metropolitan area. The city is notable for its high Hispanic proportion, at 94.0%, the second-highest proportion of Hispanic Americans outside Puerto Rico. Moreover, Hialeah has the highest proportion of Cuban and Cuban-American residents of any city in the United States, making them a prominent and characteristic aspect of the city’s culture.

The housing market in South Florida is thriving. Home prices continue to rise while inventory remains scarce. It’s a seller’s market; many sellers are getting top dollar. It’s also because more Americans and businesses are moving from high-tax, high-density areas to South Florida. An increase in foreign buyers is benefiting Florida’s real estate market.

Home Loan Programs in Hialeah

Homebuyers in Hialeah, Florida, have access to various mortgage loan options. The qualifications for a mortgage loan in Hialeah include credit score, income, employment history, and debt-to-income ratio. The loan-to-value ratio is the loan amount relative to the value of the purchased or refinanced property. 

  • Conventional Loans

Conventional mortgages are non-government loans that generally require a credit score of 620 and a down payment of 3 – 5% of the purchase price. In Hialeah, conventional loan limits for 2023 vary from $726,200 for one-unit homes to $1,396,800 for fourplex properties.

  • FHA Loans

The Federal Housing Administration (FHA) insures FHA home loans. Borrowers must have a 3.5% down payment and a credit score of 580 to be eligible for an FHA loan. In 2023, the FHA loan limits in Hialeah range from $557,750 for a single-family residence to $1,072,600 for a four-unit property.

  • VA Loans

These loans are accessible to veterans, active-duty military personnel, and surviving spouses, and they need little to no down payment and do not require private mortgage insurance. To be eligible for a VA loan, you must have a Certificate of Eligibility and meet specific service requirements. To qualify for a VA home loan, lenders usually require a credit score of 620.

  • USDA Loans

USDA home loans are accessible in rural areas for low-to-moderate-income borrowers and require no down payment. One must meet income and location requirements to be eligible for USDA loans.

  • Jumbo Loans

Jumbo loans, often called jumbo mortgages, are home loans that exceed the Federal Housing Finance Agency’s (FHFA) conforming loan limits. Jumbo loans are often used to finance properties worth more than $715,000. A higher credit score, usually at least 700, is required to qualify for a jumbo loan. Borrowers often require a larger down payment and a lower debt-to-income ratio. Borrowers who fall short of these guidelines may still be eligible for a jumbo mortgage using a non-QM loan.

  • Manufactured Home Loans

Manufactured home loans are mortgages intended exclusively for manufactured or mobile houses. These loans could be conventional or government-backed, such as FHA loans. A credit score of at least 620 is typically required to qualify for a manufactured home loan.

  • Non-Qualified Mortgage Loans

Non-QM loans are home loans that do not meet the Consumer Financial Protection Bureau’s (CFPB) agency-standard documentation requirements. These loans can cover many mortgages, including jumbo and negative amortization loans. Non-QM loans may be advantageous for borrowers who, for example, are self-employed and cannot meet the rigorous standards of traditional loans. Non-QM loans often necessitate a higher credit score and a more significant down payment than traditional loans.

Apply for a Home Loan in Hialeah

Capital Home Mortgage is a direct lender and loan servicer in Hialeah. We offer various home loan programs to meet every buyer’s needs. Whether you are a first-time homebuyer or a seasoned homeowner looking to upgrade or for a second home, we have the mortgage program for you.

Call our Hialeah Home Loan Specialists at (786) 589-7004. We would be glad to walk you through the qualification requirements and answer any questions you may have about the application process.ca

Why Hialeah 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

Hialeah Florida 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
Hialeah Mortgage Programs

Hialeah Home Purchase

Thinking of Buying an Hialeah 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

Hialeah renovation home loans

Looking to Rehab an Hialeah 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

Hialeah FHA Home Loans

Great for 1st Time Hialeah 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

Hialeah VA Home Loans

100% Financing for Hialeah 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

Hialeah Conventional Home Loans

Flexibility for Hialeah 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

Hialeah Jumbo Home Loans

Hialeah 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

Hialeah USDA Home Loans

100% Hialeah 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.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Hialeah Native American Home Loans

Hialeah 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

Hialeah Manufactured Home Loans

Great Alternative Hialeah Housing

Hialeah reverse mortgages

Your Hialeah 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

Hialeah Non QM Home Loans

Making Hialeah 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

Hialeah One Time Close mortgages

Build Your Hialeah 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

Hialeah Refinance Mortgage Loans

Hialeah 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

Hialeah Cash-out Home mortgages

Hialeah 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

Hialeah Florida Mortgage Team

Hialeah Mortgage Company Reviews

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