Capital Home Mortgage Mississippi

Jackson

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Jackson Mortgage Lender

Home Loans In Jackson, Mississippi

Whether you’re a first-time homebuyer or a seasoned investor, the mortgage approval process can feel intimidating without a clear road map and an experienced team on your side.

Updated program guidelines, mortgage rate issues, and down payment criteria are just some of the factors to consider when obtaining mortgage financing for a new home or refinance.

How To Purchase A Home In Jackson

Unless you have hundreds of thousands of dollars lying around, taking out a mortgage would be your most accessible route to buying a home. Before making your way to a lender, you must understand the basics of how to get a mortgage in Jackson.

Here are the initial steps to getting a home loan:

Before applying for a mortgage in Jackson, you’ll want to ensure that you’re financially prepared to buy a property. You should at least have a stable income and employment and manageable debt.

Since a home loan is a huge responsibility, it would be good to get pre-qualified before applying. This way, you can have a clearer picture of your financial readiness to obtain a mortgage.

  • Shop Around For Mortgage Options

After establishing financial stability, you can begin shopping for the best mortgage rates. Interest rates vary according to the lender, so it’s critical to shop around. The lower the rate, the less interest you will pay during the life of the loan.

At Capital Home Mortgage, we are committed to providing outstanding customer service while offering competitive home mortgage rates and low fees.

  • Gather The Required Documents

When you submit your mortgage application to your lender, you will be required to furnish numerous documents. This information will assist your lender in determining whether you are financially qualified for a mortgage.

You will be required to demonstrate your income, employment, and identity and submit copies of recent tax returns and bank account statements. A few additional pieces of paperwork may be required if necessary. You will also need to consent to a credit check that your chosen lender will conduct.

  • Get Pre-Approved

Getting pre-approved and taking the time to determine which type of mortgage is appropriate for you can help make the entire process go more smoothly. 

While many first-time homebuyers consider preapproval optional, it is one of the most critical phases in the home-buying process. Sellers are more likely to take you seriously when you have a preapproval letter with you when shopping for a home.

You can get pre-approved on the same day you submit all the requirements. The preapproval letter is usually valid for up to three months.

Jackson, MS Mortgage Lender

When looking for a mortgage in Jackson, you’ll likely encounter a variety of lenders, including both online and local institutions, each with its own set of benefits and advantages. Jackson mortgage lenders serve an extensive range of borrowers. From first-time homebuyers to seasoned investors.

Capital Home Mortgage offers a wide variety of home loan programs in the Jackson area. We are a full-service mortgage lender offering mortgage products from FHA loans, VA loans, USDA home loans, Conventional-conforming loans, and Jumbo loans, to Non-Qualified mortgage loans.

We streamlined our process to better serve our clients. Our goal is to provide great rates with low fees and a stress-free home buying experience. We are committed to providing excellent customer service and ensuring a smooth transaction from application to closing.

Apply For A Jackson Home Loan

Are you looking to buy a property in Jackson or refinance your current mortgage? Obtaining a mortgage loan in Jackson does not have to be complicated.

Buying a home is a huge milestone, and Capital Home Mortgage can make the process easier and more enjoyable – just the way it should be. We are a full-service home mortgage company that offers a comprehensive range of mortgage options and is committed to providing our clients with unparalleled customer care.

Call us today at 281-674-7372 to talk with a mortgage loan officer or obtain a no-obligation quick quotation.

Why Jackson is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Jackson Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Jackson Customer Service

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

Jackson Mortgage Rates

Capital Home Mortgage Jackson is dedicated to offering Great Jackson Mortgage Rates.

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

Jackson Mississippi Mortgage Loans

Jackson Home Purchase

Buying a Jackson Home?

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

Jackson Renovation Home Loans

Jackson Rehab Loans

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

Jackson FHA Home Loans

1st Time Jackson Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Jackson VA Home Loans

100% Loans for Jackson Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Jackson Conventional Home Loans

Flexibility for Jackson Buyers

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

Jackson Jumbo Home Loans

Great Jackson Rates

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

Jackson USDA Home Loans

Rural Jackson Properties

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

Jackson Native American Loans

Jackson HUD 184 Loans

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

Jackson Manufactured Home Loans

Jackson Mobile Home Loans

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Jackson Reverse Mortgages

Your Jackson Home at Work!

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

Jackson Cash-Out Refinance

Jackson Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Jackson Mortgage Refinance

Jackson Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Jackson Mississippi Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Loan Officer
NMLS 882260

Kelly Cameron

Loan Officer
NMLS 178093

Lynette Surman

Loan Officer
NMLS 2097265

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