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Lawerence Kansas Mortgage Lender

Home Loans In Lawrence, Kansas 

Are you looking to own a home in Lawrence, Kansas? The lively city is the sixth-largest in the state and home to some of the best public schools in Kansas

If you’re like most people, getting a home loan is the first real step towards homeownership. Whether you’re a first-time borrower or a seasoned property investor, Capital Home Mortgage can help you secure the right home financing. 

Let’s go over some vital information about mortgages and how to find the right home loan lender in Lawrence, Kansas, for your needs. 

Tips For Finding The Best Mortgage Lender In Lawrence for First-time Homebuyers

Your first mortgage is the most crucial mortgage application in your life, especially if you’re still building your credit. Finding the right mortgage lender can make all the difference as a first-time borrower. 

At Capital Home Mortgage, we can guide you in the whole mortgage process so you don’t waste precious time on things that don’t matter. Here are some relevant questions to ask when looking for a mortgage lender. 

  • What are the credit score requirements?

Lenders have different credit score requirements based on the mortgage product. For example, conventional loans typically require a credit score of 640, while FHA loans can go as low as 500. 

Having a high credit score before the application can put you in a favorable position while having a low credit score can mean automatic ineligibility. 

  • How do you determine interest rates?

The interest rate depends on several factors like the final property value, loan amount, loan term, borrower’s income, and credit score. 

Our mortgage experts can help you find the best deals that meet your budget and needs. 

  • Do you offer a mortgage rate lock?

A mortgage lock secures the interest rate at the start of the closing. So if the interest rate at that time is 3.50%, any increase that may occur until you close the loan won’t affect the initial interest rate offered at the start of the closing. 

A mortgage lender that offers a mortgage rate lock is a big plus because small increases in rates significantly impact your future interest payments. You can generally lock your rate for 30 – 45 days, enough time to move your file to close.

  • Do you give prequalification or preapproval?

Mortgage prequalification and preapproval can make your search quick and easy. Mortgage prequalification is less formal, and you can do it over the phone. During prequalification, the lender can give a rough estimate of the loan amount. 

But if you want a strong position with a home seller, you need to be pre-approved by submitting official documents like W-2s, bank statements, tax returns, and other documents as required.

How much is the required down payment?

Mortgage programs ask for different down payments. Some mortgages like FHA loans can go as low as 3.5% with a credit score of 580. 

However, a down payment of at least 20% can increase your chances of approval and decrease the interest rate. Besides that, you’ll not be required to pay mortgage insurance.

Lawrence, Kansas Mortgage Lenders

Mortgages have different requirements. At Capital Home Mortgage, we can help you find the best mortgage programs based on your needs and financial capacity. 

We offer different programs like professional medical mortgages, FHA-insured loans, first-time homebuyer programs, etc. We’re also a direct lender; our loan process is generally faster and more streamlined from application to funding. It enables us to offer competitive interest rates, low processing fees, and flexible underwriting. 

Get a Home Loan in Lawrence

Let’s find the best Lawrence mortgage program for you. Contact us at (316) 261-5400 to get expert mortgage advice and assistance from our experienced loan officers at Capital Home Mortgage. 

We look forward to providing your next home loan in Lawrence, Kansas. 

Why Lawerence is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Lawerence Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Lawerence Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Lawerence Mortgage Rates

Capital Home Mortgage Lawerence is dedicated to offering Great Lawerence Mortgage Rates. 

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Lawerence Kansas Mortgage Loans

Lawerence Home Purchases

Buying a Lawerence Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Lawerence Renovation Home Loans

Lawerence Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Lawerence FHA Home Loans

1st Time Lawerence Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Lawerence VA Home Loans

100% Loans for Lawerence Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Lawerence Conventional Home Loans

Flexibility for Lawerence Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Lawerence Jumbo Home Loans

Great Lawerence Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Lawerence USDA Home Loans

Lawerence Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Lawerence Native American Loans

Lawerence HUD 184 Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Lawerence Manufactured Home Loans

Lawerence Home Loans

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Lawerence Reverse Mortgages

Your Lawerence Home at Work

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Lawerence Cash-Out Refinance

Lawerence Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Lawerence Mortgage Refinance

Lawerence Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Lawerence Kansas Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Ron Ireland

Branch Manager
NMLS 328363

Nick Underwood

Loan Officer
NMLS 264147

Cristina Roca

Loan Officer
NMLS 1926089

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