Capital Home Mortgage Maryland

Maryland Home Loans

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Maryland Mortgage Lender

Home Loans in Maryland

Welcome to Capital Home Mortgage Maryland, where we strive to provide Maryland Home Loans to Maryland 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 house Mortgage Maryland 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 not be stressful.

Capital Home Mortgage Maryland, as a direct Maryland 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 Maryland is a full-service Maryland Mortgage Lender that offers a wide range of mortgage products as well as competitive Maryland Mortgage Rates.  Whether you are a first-time purchaser seeking an Maryland FHA Home Loan, looking for a rural property and needing an Maryland USDA Home Loan,  an active or retired veteran in need of an Maryland VA Home Loan, or a seasoned buyer in need of an Maryland Conventional Home Loan, we are here to help.

Call today (240) 907-5272 to talk to one of our Maryland Loan Officers.

Maryland, is located in the Mid-Atlantic region of the United States and is recognized for its diverse geography.  Maryland ranges from the Atlantic Ocean and Chesapeake Bay to the Appalachian Mountains in the west.  Relatively small in terms of land area, Maryland has varied landscapes, including mountains, forests, and coastal areas.  

Maryland is a diverse state with a mix of urban and suburban areas. It has a relatively high population density compared to many other states.

Maryland has a robust economy.  It is known for being a major center for technology and biotechnology industries.  The presence of federal agencies, research institutions, and defense contractors contributes significantly to the state’s economy.  The Port of Baltimore is one of the busiest ports on the East Coast, contributing to trade and commerce.

Maryland is home to several prestigious universities and colleges, including the University of Maryland, Johns Hopkins University, and the United States Naval Academy in Annapolis.

Maryland is one of the thirteen original colonies and played a crucial role in the early history of the United States.  Annapolis, the state capital, served as the temporary capital of the United States in the late 18th century.

Maryland home prices vary across regions within the state, with urban areas generally having higher prices than rural areas.  The areas surrounding Washington, D.C., have experienced a competitive real estate market with relatively higher home prices compared to the national average.  

The real estate market in Maryland has seen fluctuations, influenced by factors such as job growth, economic conditions, and interest rates.  Demand for housing, particularly in the suburbs and commuter-friendly areas, has been a notable trend.  Affordability can be a challenge in some parts of Maryland, especially in popular metropolitan areas.  However, there are also more affordable options in different regions of the state.

Maryland’s economy, driven by sectors such as technology, biotechnology, and government, can influence the real estate market.  Employment opportunities, wage growth, and overall economic stability play a role in the demand for housing.

Real estate development projects are ongoing, especially in urban areas and regions with growing populations.  Maryland’s housing supply can influence market dynamics. In some areas, there may be a shortage of housing, leading to increased competition among buyers.

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

Maryland Home Loans

Maryland Conventional Home Loans

Maryland 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.

Maryland FHA Home Loans

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

Maryland VA Home Loans

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

Maryland USDA Home Loans

Maryland 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.

Maryland Jumbo Home Loans

A Maryland 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).

Maryland Non QM Home Loans

Maryland 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.

Maryland One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Maryland 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 Maryland 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

Maryland 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
Maryland Mortgage Programs

Maryland Home Purchase loans

Looking to Purchase a Maryland 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

Maryland Renovation Home Loans

Looking to Rehab a Maryland 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

Maryland FHA Home loans

Great 1st Time Maryland 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

Maryland va Home Loans

100% Financing for Maryland 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

Maryland Conventional Home loans

Flexibility for Maryland 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

Maryland Jumbo Home Loans

Maryland 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

Maryland USDA Home loans

Maryland 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

Maryland Native american Home Loans

Not Available in Maryland

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

Maryland Manufactured Home loans

Great Maryland 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

Maryland Reverse Mortgage Loans

Your Maryland 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

Maryland Non QM Home loans

Making Maryland 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

Maryland One Time Close Home Loans

Build Your Maryland 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

Maryland Refinance Mortgage loans

Maryland 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

Maryland Cashout Mortgage Loans

Maryland 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

Maryland Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

Maryland Mortgage Company Reviews

Maryland Cities

Baltimore Home Loans

Columbia Home Loans

Germanton Home Loans

State Specific Mortgage Information

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