Capital Home Mortgage Louisiana

Baton Rouge

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Baton Rouge Mortgage Lender

Home Loans In Baton Rouge, Louisiana

Baton Rouge is known for its stunning river views and strategic location. Regardless of your interests, you will likely discover something to enjoy in this city known for its dynamism and diversity.

If you’ve been contemplating purchasing a home in Baton Rouge, now is the time to take action. Interest rates have increased slightly but remain near historic lows, offering some truly unique real estate opportunities.

Like most people, you’re likely to need to get a mortgage to finance your new home. But what if you’ve been denied a conventional loan multiple times because of your income or credit history? Do you still have a shot at homeownership? 

Yes, you do, with government-backed mortgage loans!

Popular Government-Guaranteed Loans

The United States government provides Americans with the assistance they need to become legitimate homeowners. While the government does not make the loans, they provide the security necessary for lenders to extend credit to qualified borrowers at more favorable terms. These mortgages are referred to as ‘government-backed’ or ‘government-insured’ loans.

Government-backed loans are often the best option for borrowers with low credit scores or those unable to make a substantial down payment. 

The three most common types of government-insured home loans are as follows:

  • FHA Home Loans

The Federal Housing Administration created the FHA home loan program to simplify Americans with low credit ratings or incomes to obtain mortgage financing. Under this arrangement, borrowers with credit scores as low as 500 may qualify for a home loan if they can make a down payment of at least 10%.

On the other hand, borrowers with a credit score of at least 580 can get a home loan for as low as 3.5 percent down. However, the main issue with FHA loans is that it requires borrowers to pay for mortgage insurance until they have built sufficient equity in their home.

  • USDA Loans

Individuals living in rural and suburban areas of the United States may qualify for a USDA-guaranteed home loan.

USDA guaranteed mortgages have fewer mortgage requirements and may require no down payment.

However, the income requirement for a USDA loan is the most stringent. To qualify for a USDA loan, your household income must be below 115% of the area’s median household income, meet the asset requirement, and the property must be located within the USDA eligible area map.

  • VA Loans

The VA home loan is reserved for retired or active military personnel in the United States, but one with the most perks. Qualified members or spouses can quickly obtain a VA loan without regard for credit score requirements or down payment requirements.

However, despite these very generous terms, VA loans impose rigorous service requirements to qualify.

Baton Rouge, Louisiana Mortgage Lender

Capital Home Mortgage offers FHA, USDA, and VA loans to qualified home buyers looking for home loans options with more relaxed qualifications and financial requirements. 

We are a direct mortgage lender in Louisiana, which means that we handle every aspect of the loan process, from application to funding. It enables us to offer competitive interest rates, low processing fees, and flexible underwriting policies that will not cause a delay in the closing process.

Your New Home Is Just A Call Away!

Capital Home Mortgage is committed to providing exceptional customer service and a stress-free home buying experience to aspiring Baton Rouge homeowners.

Our mortgage professionals are standing by to assist you in obtaining the best home loan program for your unique circumstances. Apply for a mortgage loan today by calling (225) 208-7599 or contact us through this website.

Why Baton Rouge is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Baton Rouge Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Baton Rouge Customer Service

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

Baton Rouge Mortgage Rates

Capital Home Mortgage Baton Rouge is dedicated to offering Great Baton Rouge Mortgage Rates.

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

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

Baton Rouge Louisiana Mortgage Loans

Baton Rouge Home Purchase

Buying a Baton Rouge Home?

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

Baton Rouge Renovation Home Loans

Baton Rouge Rehab Loans

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

Baton Rouge FHA Home Loans

1st Time Baton Rouge Homebuyers

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

Baton Rouge VA Home Loans

100% Loans for Baton Rouge Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Baton Rouge Conventional Home Loans

Flexibility for Baton Rouge Buyers

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

Baton Rouge Jumbo Home Loans

Great Baton Rouge Rates

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

Baton Rouge USDA Home Loans

Rural Baton Rouge Properties

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

Baton Rouge Native American Loans

Baton Rouge HUD 184 Loans

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

Baton Rouge Manufactured Home Loans

Baton Rouge Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Baton Rouge Reverse Mortgages

Your Baton Rouge Home at Work!

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

Baton RougeCash-Out Refinance

Baton Rouge Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Baton Rouge Mortgage Refinance

Baton Rouge Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Baton Rouge Louisiana Mortgage Team

Conor Hayhurst

NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

NMLS 210325

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