Capital Home Mortgage Minnesota

Minnesota Home Loans

Home Purchase
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Minnesota Mortgage Lender

Welcome to Capital Home Mortgage Minnesota. First, we want to thank you for the opportunity to earn your mortgage business.  We understand that purchasing a home is the biggest decision in most people’s lives and why Capital Home Mortgage provides dedicated points of contact throughout the entire loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing.  After all, buying a home should be exciting, not stressful. As a direct Minnesota Mortgage Lender Capital Home Mortgage controls the loan process from start to finish. This means from application to funding we make every decision. Our in-house processing and underwriting allow for quick make sense approvals and on-time closings. Capital Home Mortgage is a full-service Minnesota Mortgage Company providing a complete line of home loan products along with great Minnesota Mortgage Rates.

Whether you are a first-time homebuyer looking at a Minnesota FHA Home Loan, active duty or retired veteran needing a Minnesota VA Home Loan, or a seasoned buyer with a Minnesota Conventional Home Loan we are here to help.

Thank you again for your interest in our services and we look forward to providing you next home loan.

Why Minnesota is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Minnesota Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Minnesota Customer Service

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

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

Minnesota Loan Programs

Minnesota Home Purchase

Buying a Minnesota Home?

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

Minnesota Renovation Home Loans

Minnesota Rehab Loans

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

Minnesota FHA Home Loans

1st Time Minnesota Homebuyers

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

Minnesota VA Home Loans

100% Loans for Minnesota Veterans

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

Minnesota Conventional Home Loans

Flexibility for Minnesota Buyers

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

Minnesota Jumbo Home Loans

Great Minnesota Rates

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

Minnesota USDA Home Loans

Minnesota Rural Properties

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

Minnesota Native American Loans

Minnesota HUD 184 Loans

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

Minnesota Manufactured Home Loans

Minnesota Mobile Homes

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

Minnesota Reverse Mortgages

Your Minnesota Home at Work!

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

Minnesota Mortgage Refinance

Minnesota Cash-Out or Rate and Term

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

Minnesota Non Qualified Mortgage

Making Minnesota Mortgages Possible

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

Minnesota Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

Minnesota Mortgage Company Reviews

State Specific Mortgage Information
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