Capital Home Mortgage Massachusetts

Massachusetts Home Loans

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Massachusetts Mortgage Lender

Home Loans in Massachusetts

Welcome to Capital Home Mortgage Massachusetts, where we strive to provide Massachusetts Home Loans to Massachusetts homebuyers and homeowners at competitive rates and fees while providing outstanding 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 Home Mortgage Massachusetts offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage Massachusetts, as a direct Massachusetts Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

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

Call today (978) 710-8195 to talk to one of our Massachusetts Loan Officers.

Massachusetts, is often referred to as the “Bay State.” and became the 6th state of the United States in 1788.  Located in the New England region of the northeastern United States.  Massachusetts is a relatively small state in terms of land area but has a dense population, particularly in the capital of Boston.  Other major cities are Worcester, Springfield, Cambridge, Lowell, and Quincy.

Massachusetts is known for its diverse geography, including coastal areas, mountains, and forests.  

Massachusetts played a crucial role in American history, being one of the original thirteen colonies.  It was a significant center of the early Puritan religious movement and played a key role in the American Revolution.

Massachusetts is home to prestigious educational institutions, including Harvard University, Massachusetts Institute of Technology (MIT), and Boston University.

The state has a diverse economy, with strengths in education, healthcare, finance, technology, and manufacturing.  The Greater Boston area is a hub for technology and biotechnology industries.  Massachusetts is known for having a strong healthcare system, with world-renowned medical institutions and research centers.

Massachusetts is generally considered a liberal state, with a history of progressive politics.  The state has a rich cultural heritage, with historic sites like Plymouth, Salem, and Lexington.

Massachusetts has a vibrant arts scene, with numerous museums, theaters, and music venues.  Boston is a sports-centric city, home to iconic teams such as the Boston Red Sox (MLB), New England Patriots (NFL), Boston Celtics (NBA), and Boston Bruins (NHL).

Massachusetts experiences four distinct seasons. Winters can be cold with snowfall, while summers are generally warm.

Massachusetts, particularly in the Greater Boston area, has experienced relatively high home prices compared to the national average.  The prices can vary significantly between different cities and neighborhoods.

The real estate market in Massachusetts has generally been competitive, with a high demand for properties in desirable locations.  Urban areas like Boston may have a more competitive market compared to suburban or rural areas.

The state’s strong economy, driven by sectors like technology, healthcare, finance, and education, can influence the real estate market positively.

Job growth and economic stability contribute to a healthy real estate market.

Thank you again for your interest in Capital Home Mortgage Massachusetts and we look forward to providing your new mortgage.

Massachusetts Home Loans

Massachusetts Conventional Home Loans

A Massachusetts 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.

Massachusetts FHA Home Loans

Massachusetts 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 Arkansas FHA home loan is consistent employment history and documented income.

Massachusetts VA Home Loans

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

Massachusetts USDA Home Loans

Massachusetts 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.

Massachusetts Jumbo Home Loans

A Massachusetts 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).

Massachusetts Non QM Home Loans

Massachusetts 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.

Massachusetts Native american Home Loans

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

Massachusetts One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Massachusetts 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 Massachusetts 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

Massachusetts 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
Massachusetts Mortgage Programs

Massachusetts Home Purchase loans

Looking to Purchase a Massachusetts 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

Massachusetts Renovation Home Loans

Looking to Rehab a Massachusetts 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

Massachusetts FHA Home loans

Great 1st Time Massachusetts 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

Massachusetts va Home Loans

100% Financing for Massachusetts 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

Massachusetts Conventional Home loans

Flexibility for Massachusetts 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

Massachusetts Jumbo Home Loans

Massachusetts Non-Confirming 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

Massachusetts USDA Home loans

100% Rural Massachusetts 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

Massachusetts Native american Home Loans

Massachusetts 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

Massachusetts Manufactured Home loans

Great Alternative A Massachusetts 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

Massachusetts Reverse Mortgage Loans

Your Massachusetts 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

Massachusetts Non QM Home loans

Making Massachusetts 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

Massachusetts One Time Close Home Loans

Build Your Massachusetts 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

Massachusetts Refinance Mortgage loans

Massachusetts 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

Massachusetts Cashout Mortgage Loans

Massachusetts 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

Massachusetts 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

Massachusetts Mortgage Company Reviews

Massachusetts Cities

Boston Home Loans

Worcester Home Loans

Springfield Home Loans

Cambridge Home Loans

Lowell Home Loans

Brockton Home Loans

Quincy Home Loans

Lynn Home Loans

New Bedford Home Loans

State Specific Mortgage Information
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