Capital Home Mortgage Fayetteville

Fayetteville Home Loans

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Fayetteville Mortgage Lender

Home Loans In Fayetteville, North Carolina

Welcome to Capital Home Mortgage, Fayetteville, NC. Named after the Revolutionary War Hero Marquis de Lafayette, this fair city is the 6th-largest in North Carolina. 

According to a 2021 report by the Greater Fayetteville Business Journal, the real estate market here has been super active. So, if you’re looking to buy a home in Fayetteville, now’s time to consider it seriously. 

One of the first things to consider is how you’re going to finance it. If you’re like most people, you’ll probably need a mortgage. 

What To Know Before Choosing Your Mortgage in Fayetteville

As a first step, it’s good to have a basic understanding of the various aspects of the mortgage. Your loan officer will usually cover the details with you, but you must understand the essentials to avoid getting overwhelmed by industry jargon. 

With that in mind, here are three things to know before picking up that home loan application. 

  • Your current financial situation

Assess your financial situation to know where you stand in the market. Mortgage lenders will want to learn essential details about you, such as your credit score, monthly income, current debt obligations, and assets statements. 

Usually, the better your financial situation, the better your negotiating power. 

  • What the market has on offer

It won’t matter much whether or not you get the home loan if you can’t find a house you like. Find out what the market offers and then get something you will feel comfortable paying for over the next 20 to 30 years. 

In most cases, the type of house will determine what kind of mortgage you need to finance the purchase. For example, if you wanted to get a luxury home in a highbrow community, you might need to go for a Jumbo loan since other loans like FHA and Conventional may not be able to cover it. 

  • Choosing a mortgage lender 

The mortgage lender is the most critical factor in the home buying experience. Sure, there are other important factors, but securing the funding for your purchase is usually the most prolonged and most complicated step. Your choice of the mortgage lender will also determine how much you pay in fees, interest rates, and other related charges. 

You’ll want a lender that will provide you with the support and flexibility to make the right decisions. 

Fayetteville, NC Mortgage Lender 

At Capital Home Mortgage, we are your trusted resource for obtaining suitable home loans in Fayetteville, NC. As a full-service, direct lender, we offer a wide array of mortgage products to suit every type of homebuyer. 

More importantly, we handle every aspect of the loan process, from application to funding. This enables us to offer the optimal home loan product at low fees and competitive rates for your unique situation. 

Ultimately, we aim to partner with homebuyers in Fayetteville and make their journey to homeownership an enjoyable experience. 

Apply For Your Fayetteville Home Loan Today!

One phone call is all you need to connect with our experienced loan officers. Let us help you find the right mortgage product for your needs today. Reach us at (910) 500-6017 to get started.

We look forward to providing your next Fayetteville home loan.

Why Fayetteville is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fayetteville Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fayetteville Customer Service

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

Fayetteville 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

Capital Home Mortgage Fayetteville is dedicated to offering great Fayetteville Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Fayetteville Mortgage Team

Fayetteville Mortgage Programs

Fayetteville Home Purchase

Buying a Fayetteville Home?

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

Fayetteville Renovation Home Loans

Fayetteville Rehab Loans

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

Fayetteville FHA Home Loans

1st Time Fayetteville Homebuyers

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

Fayetteville VA Home Loans

100% Loans for Fayetteville Veterans

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

Fayetteville Conventional Home Loans

Flexibility for Fayetteville Buyers

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

Fayetteville Jumbo Home Loans

Great Fayetteville Rates

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

Fayetteville USDA Home Loans

Fayetteville Rural Properties

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

Fayetteville Native American Loans

Fayetteville HUD 184 Loans

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

Fayetteville Manufactured Home Loans

Fayetteville Mobile Home Loans

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

Fayetteville Reverse Mortgages

Your Fayetteville Home at Work!

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

Fayetteville Cash-Out Refinance

Fayetteville Equity Refinance

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

Fayetteville Mortgage Refinance

Fayetteville Rate & Term Refinance

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

Fayetteville Mortgage Company Reviews

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