Capital Home Mortgage Winston Salem

Winston Salem Home Loans

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Winston Salem Mortgage Lender

Home Loans In Winston-Salem, North Carolina 

Home to over 250,000 residents, Winston-Salem is the fifth most populous city and third-largest urban area in the state of North Carolina. Known for its eclectic art scene, mild weather, and lower average cost of living, it is no wonder the city was listed among the 50 best places to live in the United States

Welcome to Capital Home Mortgage Winston – Salem. Are you considering buying a home in Winston-Salem, NC? Homeownership is an exciting experience. However, because this will likely be the biggest purchase you make in your lifetime, it’s essential to get it right from the start. 

Before commencing your home hunt, it’s good to establish your readiness to buy a house, especially if you’re planning on getting a home loan to finance the deal. 

You’re Ready To Buy A Home If . . .

  • You have a stable income and manageable debt 

These are the first things mortgage lenders will look at when evaluating your application for a home loan. In most cases, you’ll need to have been earning a steady paycheck for the past two years to qualify for a mortgage. 

  • You can afford the monthly mortgage house payments and other home maintenance costs

The last thing you want is to swallow up your entire income for your monthly house payments. The general rule of thumb is to keep your mortgage payments below 36% of your monthly gross income. 

Other expenses to plan for include property taxes, homeowner’s insurance, Homeowners Association (HOA) fees, private mortgage insurance (PMI), and home maintenance. 

Use our mortgage calculator to get a more accurate picture of what you can realistically afford on home payments. 

  • You have enough funds for a reasonable down payment

By reasonable down payment, we mean something along the lines of 20% or higher. Anything lower, and you might be required to pay the PMI, which typically costs between  0.5% and 1% of the mortgage annually. A high down payment also means you’d generally pay less interest and fees on your mortgage payments. 

  • You can cover the closing costs 

To sweeten the deal, some home sellers offer to cover the closing costs of the home purchase. However, this is not always the case, so have your funds ready just in case. 

Closing costs cover title insurance, underwriting fees, recording fees, tax certificates, loan origination fees, etc. Expect to spend around 3 to 4% of your home’s purchase price on closing costs. 

Winston-Salem, NC Mortgage Lender

Are you looking for a tried and trusted mortgage lender in Winston-Salem, NC? You’ve come to the right place! Capital Home Mortgage offers a lineup of home loan programs to finance your home purchase. 

As a direct lender, we handle every aspect of the home loan process, enabling us to offer lower fees, quicker approvals, and flexible underwriting policies that fit different borrower types. 

Above all, Capital Home Mortgage provides a straightforward homebuying experience. Owning a home should not be such a stressful endeavor, after all. 

Apply For A Home Loan In Winston-Salem Today!

Whether you are a first-time homebuyer, seasoned real estate investor, or retired veteran, we have the right home loan program. Call (910) 500-6017 to speak with our experienced loan officers

From all of us here at Capital Home Mortgage, we thank you for your interest in our services, and we look forward to helping you realize your dream of becoming a Winston-Salem homeowner.

Why Winston Salem is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Winston Salem Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Winston Salem Customer Service

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

Winston Salem Mortgage Rates

Capital Home Mortgage Winston Salem is dedicated to offering great Winston Salem 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.

Winston Salem 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

Winston Salem Mortgage Team

Winston Salem Home Purchase

Buying a Winston Salem Home?

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

Winston Salem Renovation Home Loans

Winston Salem Renovation Loans

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

Winston Salem FHA Home Loans

1st Time Winston Salem Homebuyers

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

Winston Salem VA Home Loans

100% Loans for Winston Salem Veterans

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

Winston Salem Conventional Home Loans

Flexibility for Winston Salem Buyers

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

Winston Salem Jumbo Home Loans

Great Winston Salem Rates

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

Winston Salem USDA Home Loans

Winston Salem Rural Properties

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

Winston Salem Native American Loans

Winston Salem HUD 184 Loans

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

Winston Salem Manufactured Home Loans

Winston Salem Mobile Home Loams

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

Winston Salem Reverse Mortgages

Your Winston Salem Home at Work!

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

Winston Salem Cash-Out Refinance

Winston Salem Equity Refinance

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

Winston Salem Mortgage Refinance

Winston Salem Rate & Term Refinance

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

Winston Salem Mortgage Company Reviews

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