Capital Home Mortgage Missouri

Missouri Home Loans

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Missouri Mortgage Lender

Home Loans in Missouri

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

Call today (314) 887-7173 to talk to one of our Missouri Loan Officers.

Missourireferred to as the “Show-Me State,” is located in the Midwestern region of the United States and is bordered by eight states, including Iowa, Illinois, Kentucky, Tennessee, Arkansas, Oklahoma, Kansas, and Nebraska.  The landscape of the state is varied, with the Missouri River slicing through the middle, the Ozark Mountains to the south, and undulating plains to the north.  Missouri’s largest city is Kansas City, and its capitol is Jefferson City.  Springfield, Columbia, and St. Louis are a few more significant cities.

Leading sectors of Missouri’s economy are manufacturing, agriculture, healthcare, tourism, and transportation. The state is well-known for producing automobiles, chemicals, food goods, and aerospace and defense equipment.

Missouri is home to several notable universities and institutions, including the University of Missouri, Washington University, and Missouri University of Science and Technology.  These institutions provide major contributions to the state’s research and educational programs.

Missouri was a key point of entry into the western territories throughout the 19th century, which contributed significantly to the United States’ westward expansion. In 1821, it became the 24th state to join the Union. The Oregon Trail, the Civil War, and the Lewis and Clark expedition are all deeply ingrained in the state’s rich history.

With attractions like the Missouri Botanical Garden, the Mark Twain Boyhood Home and Museum in Hannibal, the Gateway Arch in St. Louis, and the Silver Dollar City amusement park in Branson, Missouri has a thriving cultural scene. The state’s numerous parks and natural areas provide options for outdoor activities, including as hiking, fishing, and boating.

Residents of Missouri come from a wide range of ethnic and socioeconomic backgrounds. The majority of the population centers in the state are found in urban areas, especially in the metropolitan cities of Kansas City and St. Louis.

All things considered, Missouri is a vibrant and desirable state to live in or visit because it provides a unique combination of historical significance, scenic beauty, economic prospects, and cultural attractions.

Missouri’s real estate market is diverse, with a range of urban, suburban, and rural areas offering various opportunities for homebuyers, investors, and renters. 

Similar to many other regions of the country, Missouri’s real estate market is subject to swings brought on by the state of the economy, changes in interest rates, and population expansion. While exact trends can differ by region, Missouri has seen continuous rise in both home sales and prices in recent years.

Generally speaking, Missouri has more cheap housing options than many other states, especially in rural and smaller communities. First-time homebuyers and those seeking more space or a reduced cost of living may find this affordability appealing.

The real estate markets in cities such as St. Louis and Kansas City are varied, featuring a blend of modern developments, historic homes, condominiums, and apartments. Particularly in St. Louis, one can find distinctive architectural designs like Victorian mansions in areas like Lafayette Square and the Central West End.

Major city suburbs frequently offer a compromise between greater family space and easy access to metropolitan amenities. Popular suburban destinations, renowned for their excellent schools and high standard of living, include Chesterfield, O’Fallon, and Overland Park, which are located near St. Louis and Kansas City, respectively.

For individuals looking for recreational or rural properties, Missouri’s rural areas offer opportunities. Southern Missouri’s Ozarks region is well-known for its natural beauty and abundance of outdoor recreation opportunities. Lakefront properties are appealing to both tourists and second-home buyers, who are drawn to Lake of the Ozarks, Table Rock Lake, and Bull Shoals Lake.

Certain regions of Missouri, especially the state’s booming metropolitan cities and quickly expanding suburbs, can provide lucrative investment opportunities. Profitable rental properties can be found, particularly in places with robust labor markets and student-drawing colleges.

Whether one is seeking for an urban loft, a suburban family home, or a rural escape, Missouri’s real estate market generally offers a variety of possibilities to fit diverse tastes and budgets. 

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

Missouri Home Loans

Missouri Conventional Home Loans

Missouri 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.

Missouri FHA Home Loans

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

Missouri VA Home Loans

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

Missouri USDA Home Loans

Missouri 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.

Missouri Jumbo Home Loans

A Missouri 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).

Missouri Non QM Home Loans

Missouri 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.

Missouri Native american Home Loans

A Missouri 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.

Missouri One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Missouri 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 Missouri 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

Missouri 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
Missouri Home Mortgage Programs

Missouri Home Purchase loans

Looking to Purchase a Missouri 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

Missouri Renovation Home Loans

Looking to Rehab a Missouri 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

Missouri FHA Home loans

Great 1st Time Missouri 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

Missouri va Home Loans

100% Financing for Missouri 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

Missouri Conventional Home loans

Flexibility for Mississippi 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

Missouri Jumbo Home Loans

Mississippi 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

Missouri USDA Home loans

Missouri 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

Missouri Native american Home Loans

Missouri 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

Missouri Manufactured Home loans

Great Missouri 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

Missouri Reverse Mortgage Loans

Your Missouri 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

Missouri Non QM Home loans

Making Missouri 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

Missouri One Time Close Home Loans

Build Your Missouri 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

Missouri Refinance Mortgage loans

Missouri 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

Missouri Cashout Mortgage Loans

Missouri 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

Missouri Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Rebecca Solomon

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Missouri Mortgage Company Reviews

Missouri Cities

Kansas City Home Loans

st Louis Home Loans

Springfield Home Loans

Independence Home Loans

Columbia Home Loans

Lee Summit Home Loans

State Specific Mortgage Information

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