Capital Home Mortgage Iowa

Iowa Home Loans

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Iowa Mortgage Lender

Home Loans in Iowa

Welcome to Capital Home Mortgage Iowa, where we strive to provide Iowa Home Loans to Iowa homebuyers and homeowners at competitive rates and fees while providing exceptional customer service.

First we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital house Mortgage Iowa offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time closing.  After all, buying a home should be enjoyable, not stressful.

Capital Home Mortgage Iowa, is a direct Iowa lender, managing the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick approvals and timely closings.  We have complete control over everything from the application to the funding of the loan.

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

Call today (319) 984-8244 to speak with our Iowa Loan Officers.

Iowa, the Hawkeye State, is located in the Midwestern region of the United States. Capital and Major Cities are Des Moines, Cedar Rapids, Davenport, and Sioux City,  Iowa has a diverse economy, with agriculture playing a significant role.  It is known for its production of corn, soybeans, and pork.  The state also has a growing manufacturing sector, with companies involved in food processing, machinery, and renewable energy. 

Iowa is home to several reputable universities, including the University of Iowa in Iowa City, Iowa State University in Ames, and the University of Northern Iowa in Cedar Falls. Iowa is often associated with a strong sense of community and a friendly, Midwestern culture.  The state hosts various cultural events, festivals, and fairs throughout the year.

Iowa is characterized by rolling hills and plains.  The state experiences a continental climate with cold winters and hot summers.

The cost of living in Iowa is often lower than the national average, contributing to a relatively high quality of life.

Iowa’s real estate market has been relatively stable, and compared to many other states, housing in Iowa is often more affordable. This affordability can attract both homebuyers and investors.

There’s a mix of rural and urban areas in Iowa, and the real estate market dynamics can vary between them. Urban areas like Des Moines and Cedar Rapids may have different trends compared to rural communities.

Iowa’s real estate market can be influenced by the state’s economic health. Factors such as job growth, industry development, and overall economic stability can impact the demand for housing.

Given Iowa’s strong ties to agriculture, there may be demand for rural properties, including farmland. The agricultural sector’s performance can influence the real estate market in these areas.

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

Iowa Home Loans

Iowa Conventional Home Loans

An Iowa 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.

Iowa FHA Home Loans

An Iowa 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 Iowa FHA home loan is consistent employment history and documented income.

Iowa VA Home Loans

An Iowa VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Iowa.  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.

Iowa USDA Home Loans

An Iowa 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.

Iowa Jumbo Home Loans

An Iowa 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).

Iowa Non QM Home Loans

An Iowa 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.

Iowa Native american Home Loans

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

Iowa One Time Close construction Home Loans

One Time Close Construction Mortgage Company
An Iowa 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 Iowa 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

Iowa 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
Iowa Home Mortgage Programs

Iowa Home Purchase loans

Looking to Purchase an Iowa 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

Iowa Renovation Home Loans

Looking to Rehab an Iowa 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

Iowa FHA Home loans

Great 1st Time Iowa 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

Iowa va Home Loans

100% Financing for Iowa 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

Iowa Conventional Home loans

Flexibility for Iowa 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

Iowa Jumbo Home Loans

Iowa Non-Conforming 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

Iowa USDA Home loans

Iowa 100% 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

Iowa Native american Home Loans

Iowa 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

Iowa Manufactured Home loans

Great Iowa Alternative 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

Iowa Reverse Mortgage Loans

Your Iowa 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

Iowa Non QM Home loans

Making Iowa 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

Iowa One Time Close Home Loans

Build Your Iowa 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

Iowa Refinance Mortgage loans

Iowa 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

Iowa Cashout Mortgage Loans

Iowa 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

Iowa Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Rebecca Solomon

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Iowa Mortgage Company Reviews

Iowa Cities

Des Moines Home Loans

Cedar Rapids Home Loans

Davenport Home Loans

State Specific Mortgage Information

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