Capital Home Mortgage Maine

Maine Home Loans
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Maine Mortgage Lender

Home Loans in Maine

Welcome to Capital Home Mortgage Maine, where we strive to provide Maine Home Loans to Maine homebuyers and homeowners at competitive rates and fees while giving great service.  First and foremost, we’d like to thank you for the opportunity to earn your business.  We recognize that acquiring a house is the most important decision of most people’s life, which is why Capital Home Mortgage Maine offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience, with an on-time close.  After all, buying a home should be enjoyable.

Capital Home Mortgage Maine, as a direct Maine mortgage lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, sensible approvals and timely closings.  We have complete control over every detail from the application to funding.

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

Call today (270) 531-5048 to talk to one of our Maine Loan Officers.

Maine, known as the “Pine Tree State” is located in the New England region of the northeastern United States and was the 23rd state of the US.   Maines capital is Augusta, with Portland being the largest City.  Other major cities include Bangor, Lewiston, and South Portland.

Maine is recognized for its rugged coastline, picturesque landscapes, and numerous lakes and forests.  It is the easternmost state in the contiguous United States.

Historically, Maine’s economy has been centered around industries such as agriculture, forestry, and fishing but in recent years, there has been a diversification towards manufacturing, tourism, and services.  The state also has a growing technology sector, especially in areas related to renewable energy.

Maine is home to several institutions of higher education, including the University of Maine.

Maine is also known for its maritime culture and seafood, particularly lobster and clams.  The state has a rich history, with numerous historical sites and museums.

Maine has a humid continental climate with cold, snowy winters and warm summers.  Coastal areas tend to have milder winters due to the influence of the Atlantic Ocean.

Maine, like many other parts of the United States, has seen fluctuations in its real estate market.  The demand for homes in certain areas, especially coastal regions and popular cities like Portland, has contributed to rising home prices.  Rural areas may have different market dynamics, and prices can vary significantly based on location.

The Home prices in Maine tend to be more affordable compared to some other states in the Northeast, but prices have been increasing with factors such as location, property size, and amenities influencing home prices.

The housing demand has a limited balance between supply and demand, while in coastal areas a shortage of housing inventory has led to increased competition among buyers.  Coastal properties, especially those with ocean views, can be in high demand and may have higher price tags.  

Maine’s popularity as a vacation destination can impact the real estate market, with seasonal fluctuations in activity.  In certain urban areas and popular tourist destinations, there is a rental market catering to both long-term residents and short-term vacation rentals.

Economic conditions, employment opportunities, and population growth have also had influence on Maines real estate market. Maine’s economy has diverse sectors, including manufacturing, tourism, and healthcare.

Thank you again for allowing us to help you with your Maine Home Loans. H.ome Loan.Home

Maine Home Loans

Maine Conventional Home Loans

Maine 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.

Maine FHA Home Loans

Maine 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 Maine FHA home loan is consistent employment history and documented income.

Maine VA Home Loans

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

Maine USDA Home Loans

Maine 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.

Maine Jumbo Home Loans

A Maine 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).

Maine Non QM Home Loans

Maine 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.

Maine Native american Home Loans

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

Maine One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Maine 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 Maine 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

Maine 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
Maine Home Mortgage Programs

Maine Home Purchase loans

Looking to Purchase a Maine 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

Maine Renovation Home Loans

Looking to Rehab a Maine 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

Maine FHA Home loans

Great 1st Time Maine 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

Maine va Home Loans

100% Financing for Maine 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

Maine Conventional Home loans

Flexibility for Maine 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

Maine Jumbo Home Loans

Maine 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

Maine USDA Home loans

Maine 100% Rural 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

Maine Native american Home Loans

Maine 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

Maine Manufactured Home loans

Great Maine 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

Maine Reverse Mortgage Loans

Your Maine 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

Maine Non QM Home loans

Making Maine 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

Maine One Time Close Home Loans

Build Your Maine 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

Maine Refinance Mortgage loans

Maine 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

Maine Cashout Mortgage Loans

Maine 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

Maine Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

Jordan Mowrey

SR Loan Officer
NMLS 210325

Maine Mortgage Company Reviews

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State Specific Mortgage Information

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