Capital Home Mortgage

Reverse Mortgage

What is a Reverse Home Loan?

A Reverse Mortgage loan financially assists homeowners ages 62 and older. It accomplishes this by converting part of their homes equity into cash or credit.  The Reverse Home Loan is also called a Home Equity Conversion Mortgage or HECM.  These loans have very little restrictions on how the proceeds can be used.  The advantages are being able to use the money for a new property, medical bills, travel or supplemental income as well as elimination of the month mortgage payment. To be approved for a Reverse Home Mortgage, seniors are required to attend a counseling session assigned by the Department of Housing and Urban Development “HUD”.  This counseling covers how the loan works, the costs associated with setting up the reverse mortgage loan and the benefits that it provides.  The loan is adaptable for seniors who don’t want to continue a monthly mortgage payment or for seniors who want to continue to make payments.  Texas Reverse Home Mortgages can be used for a purchase or a refinance with or without cash being taken out.

Reverse Mortgage Loan Requirements

  • 62 years or Older
  • Primary Residence Only
  • Must Be Able to Continue to Pay Homeowners Insurance and Taxes
  • Required HUD Counseling
  • Meet Required Equity Values

Why People Are Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application, Processing, Underwriting, Closing and Funding.

Great Mortgage Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Exceptional Customer Service

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

Capital Home Mortgage Mortgage Team

Conor Hayhurst

NMLS 743506
Managing Director

Kelvin Thompson

NMLS 2050042
Loan Officer

Rob Fisher

NMLS 1950995
Loan Officer

Cristina Roca

NMLS 1926089
Spanish Speaking Loan Officer
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