Capital Home Mortgage Oklahoma

Oklahoma Conventional Home Loans

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Oklahoma Conventional Mortgage Lender

Welcome to Capital Home Mortgage Oklahoma, where we endeavor to provide Oklahoma homebuyers and homeowners Oklahoma Conventional Home Loans at competitive Oklahoma Conventional Mortgages Rates with low fess while ensuring outstanding customer service.  Whether you are a first time home buyer, looking to purchase in the city or country, a repeat buyer, or an investor an Oklahoma Conventional Home Mortgage might be right for you.  We understand that purchasing a home is an important decision, which is why Capital Home Mortgage Oklahoma offers dedicated points of contact throughout the mortgage process.  This assures serene experience resulting with an on-time closing.   Capital Home Mortgage Oklahoma is an Oklahoma Conventional Mortgage Lender that manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.  We have complete control over everything from the application to funding. Call today (405) 310-8850 to talk to one of our Oklahoma Loan Officers.

What is An Oklahoma Conventional Loan?

Like in other states, conventional home mortgages in Oklahoma are not government-guaranteed or insured. Rather, they follow the restrictions and credit limits established by government-sponsored enterprises (GSEs), such as Freddie Mac and Fannie Mae.

Loan restrictions for Oklahoma conventional loans are determined by Freddie Mac and Fannie Mae.  The restrictions could alter yearly and depend on how many units the property has (e.g., single-family, duplex, etc.).  If consumers in Oklahoma need to finance more than these maximum amounts, they may want to think about jumbo loans.

Conventional loans in Oklahoma may have different down payment requirements depending on a number of variables, including loan amount, credit score, and other unique situations. Although a down payment of at least 5% to 20% is customary, first-time buyers can choose to make a smaller down payment, like 3%.

When it comes to credit score standards, Oklahoma Conventional Mortgages are typically more stringent than government-backed loans such as FHA. Better interest rates and conditions are frequently only available to those with a higher credit score, however limitations may differ.

Borrowers usually have to pay private mortgage insurance (PMI) until they reach a specific amount of equity in the home if the down payment is less than 20%. PMI is typically able to be withdrawn after the loan-to-value ratio falls below 80 percent.

Oklahoma Factors such as the borrower’s creditworthiness and market conditions might affect the interest rate on conventional loans. The debt-to-income ratio of a borrower to assess their capacity for making monthly payments. A lower debt-to-income ratio usually increases the likelihood of a loan being approved.

Oklahoma A property evaluation is usually required for conventional loans in order to make sure the value of the home matches the loan amount. By guaranteeing a fair market value for the property, the appraisal serves to safeguard both the borrower and the lender.

Oklahoma conventional loans frequently come with a range of loan terms, such as adjustable-rate mortgages, 15-year fixed-rate mortgages, and 30-year fixed-rate mortgages. The duration that best suits the borrower’s financial objectives can be chosen.

Apply for an Oklahoma Conventional Home Loan Now with Capital Home Mortgage!

Even with mortgage interest rates continuing to move, now is an excellent time to buy a home.  Financing your dream home is possible with an Oklahoma Conventional Home Mortgage from Capital Home Mortgage Oklahoma.  Contact us today to speak to one of our Oklahoma Conventional Loan Officers to determine the best loan program.  Call today (405) 331-8850.

Oklahoma Conventional Purchase Loans

Oklahoma Conventional Purchase Mortgage

Oklahoma Conventional Purchase Loans are one of the most popular types of loans and a great choice for many Oklahoma homebuyers.  Oklahoma Conventional mortgages can be used to purchase any type of occupancy. while FHA, USDA, VA and Native American Loans are restricted to primary residence only.  Oklahoma Conventional Home mortgages are great for borrowers that have higher credit scores and typically have easier qualifying.

  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • MAXIMUM LOAN AMOUNT – $766,550

Oklahoma Conventional Refinance Loans

Oklahoma Conventional Refinance Mortgage

Oklahoma Conventional Refinance Loans are used for more refinances than any other type of mortgage loans.  This is due to Oklahoma Conventional Mortgage Loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to values.  Oklahoma Conventional Mortgages require better credit scores but offer better rates.

  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates & Flexible Terms
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Oklahoma Conventional Renovation Loans

Oklahoma Conventional Renovation Mortgage

Want a new Oklahoma Home?  Don’t want to purchase from a builder?  Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town?  Making your Oklahoma dream home come true might just be updating  that older home. 

  • 95% LTV Primary  Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Oklahoma Conventional 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
Why Oklahoma 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

Oklahoma Mortgage Company Reviews

Oklahoma Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Rebecca Solomon

Sr Loan Officer
NMLS #156188
Oklahoma Home Mortgage Programs

Oklahoma Home Purchase loans

Looking to Purchase an Oklahoma 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

Oklahoma Renovation Home Loans

Looking to Rehab an Oklahoma 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

Oklahoma FHA Home loans

Great 1st Time Oklahoma 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

Oklahoma va Home Loans

100% Financing for Oklahoma 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

Oklahoma Conventional Home loans

Flexibility for Oklahoma 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

Oklahoma Jumbo Home Loans

Oklahoma 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

Oklahoma USDA Home loans

Oklahoma 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

Oklahoma Native american Home Loans

Oklahoma 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

Oklahoma Manufactured Home loans

Great Oklahoma 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

Oklahoma Reverse Mortgage Loans

Your Oklahoma 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

Oklahoma Non QM Home loans

Making Oklahoma 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

Oklahoma One Time Close Home Loans

Build Your Oklahoma 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

Oklahoma Refinance Mortgage loans

Oklahoma 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

Oklahoma Cashout Mortgage Loans

Oklahoma 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

Oklahoma Cities

Oklahoma City Home Loans

Tulsa Home Loans

Norman Home Loans

Broken Arrow Home Loans

Edmond Home Loans

Lawton Home Loans

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