Capital Home Mortgage Cary Town North Carolina

Cary Town Home Loans

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Cary Town North Carolina Mortgage Lender

Home Loans In Cary Town, North Carolina

Welcome to Capital Home Mortgage – Cary Town. The town of Cary sits at the heart of the famous North Carolina Research Triangle. It was incorporated in the state of North Carolina as a town, not a city. Cary is the 2nd most populous incorporated town in the United States with this designation. 

The housing market here has been relatively resilient in the face of the pandemic. In a recent study, Cary, NC, was ranked third on AdvisorSmith’s list of safest cities in America. This makes it a prime area to own a home. 

However, the journey to homeownership is often long and arduous, especially if you don’t know what it entails. To help you make informed decisions, here are some essential tips to remember when buying a house.

4 Tips For Buying a House in Cary Town, North Carolina

     1) Check Your Finances 

You’ll want to make sure your finances can comfortably cover monthly payments for the next 15 to 30 years. This is in addition to your other expenses like food, transport, children’s education, etc. Income security and employment stability are paramount before looking for a house. 

     2) Consider Outstanding Debt

Non-mortgage debt, such as credit card and auto loan debts, may affect your credit report, which impacts your ability to obtain a home loan to finance the purchase. Most mortgage lenders may be unwilling to approve your loan application if you’ve got a sizable debt. Those that do will usually impose higher fees and more stringent terms. 

     3) Get Pre-Approved for a Home Loan

Being pre-approved for a home loan is a big plus for sellers. Pre-approval means that you’re serious about buying a house and not just looking around. 

     4) Maximize the Down Payment

Lenders impose different down payment thresholds for home loans. However, we recommend maximizing your free cash to cover a large portion of the down payment. Paying a large down payment reduces your loan amount. You pay lesser interest and lower mortgage payments over the loan term.

With a down payment of 20% or more, you can avoid paying for private mortgage insurance, further reducing your monthly mortgage payments.

Cary, North Carolina Home Loans

Buying a home in Cary Town doesn’t have to be complicated. At Capital Home Mortgage, we make the home buying experience as seamless as possible. 

We offer home loan programs, including  FHA loans for low credit score borrowers, jumbo loans for high-cost houses, VA loans for qualified veterans, USDA loans for rural area properties, and much more.

As a direct lender, we are involved in every aspect of the loan process. This allows us to provide tailored services, competitive interest rates, and low fees. 

Apply For Your Home Loan in Cary, NC Today!

Let us help you get the best mortgage product for your dream home in Cary, North Carolina. Our home loan specialists are standing by to walk you through your home loan choices and answer any questions you may have about the application process. 

Call us now at (910) 500-6017 to get in touch. 

Why Cary Town is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Cary Town Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Cary Town Customer Service

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

Cary Town Mortgage Rates

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

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

Cary Town North Carolina Mortgage Loans

Cary Town Home Purchase

Buying a Cary Town Home?

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

Cary Town Renovation Home Loans

Cary Town Rehab Loans

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

Cary Town FHA Home Loans

1st Time Cary Town Homebuyers

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

Cary Town VA Home Loans

100% Loans for Cary Town Veterans

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

Cary Town Conventional Home Loans

Flexibility for Greensboro Buyers

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

Cary Town Jumbo Home Loans

Great Greensboro Rates

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

Cary Town USDA Home Loans

Cary Town Rural Properties

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

Cary Town Native American Loans

Cary Town HUD 184 Loans

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

Cary Town Manufactured Home Loans

Cary Town Mobile Home Loans

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

Cary Town Reverse Mortgages

Your Cary Town Home at Work!

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

Cary Town Cash-Out Refinance

Cary Town Equity Refinance

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

Cary Town Mortgage Refinance

Cary Town Rate & Term Refinance

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

Cary Town Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Brad Rund

Director Native Lending
NMLS 1702894

Kelvin Thompson

Loan Officer
NMLS 2050042

Cary Town North Carolina Mortgage Company Reviews

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