Capital Home Mortgage Pacific Northwest

Pacific Northwest fHA Home Loans

Pacific Northwest fhA Mortgage Lender

Welcome to Capital Home Mortgage Pacific Northwest. Are you wondering about Pacific Northwest FHA Home Loans and if an FHA loan is right for you?  We can help you understand the advantages of a Pacific Northwest FHA Home Mortgage and if it is the right loan for you. Capital Home Mortgage is a direct Pacific Northwest FHA mortgage lender offering great mortgage rates with low fees.  Meaning Capital Home Mortgage Pacific Northwest has FHA direct endorsement authority to underwrite and approve your loan allowing complete control of the loan process and loan approval providing a streamline decision making the experience quick and stress-free. Ready to get started?  Call now and one of our mortgage professionals will answer your questions and walk you through the pre-approval.  Thank you for allowing us the opportunity to provide your home financing needs.
Why THe Pacific Northwest is Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support Application to Final Mortgage Payment

Pacific Northwest 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

Pacific Northwest FHA Purchase Home Loans

FHA Home Loans are mortgage loans for 1st time home buyers, buyers with limited credit, buyers with less than perfect credit and buyers with higher debt to income ratios.  As the goal of FHA is to make homeownership more attainable, FHA underwriting guidelines are less strict than other mortgage loan programs.  This FHA flexibility allows for easier loan qualification making the barrier to homeownership less challenging.
  • Simple Qualifying
  • Smaller Down Payment
  • Seller Paid Closing Costs
  • Flexible Underwriting
  • Higher Debt to Income Ratios Allowed
  • Lower Credit Scores Allowed
  • Manufactured Housing OK

Pacific Northwest FHA Refinance Home Loans

FHA offers a streamline refinances that simply reduces the interest rate and lowers the payment or shortens the term of the loan.  This rate and term option can be fully documented loans, or can be reduced documentation. The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property.

FHA Standard Refinance

  • Appraisal Required
  • 97.75% Max Loan to Value
  • Closing Costs Can Be Rolled In
  • 80% Max Loan to for Cash-out
  • Cash-out Option Available
  • County Loan Limits Apply

FHA Streamline Refinance

  • FHA to FHA
  • No Income Qualification
  • No Appraisal Required
  • Closing Costs Cannot Be Rolled In
  • No Lates on Mortgage in Last Year
  • Payment Must Drop on Fixed Rates

Pacific Northwest FHA Renovation Home Loans

FHA offers both a Steamline and Full Rehabilitation Loans.  This is a great option for 1st time homebuyers looking to purchase a home that needs a little TLC.

  • Purchase & Refinance Options
  • Primary Residences Only
  • Single, Multi Family & Condo’s
  • As-Is Improved Renovated Value
  • 203K Streamline
  • Less < 35K, Cosmetic Repairs Only
  • 203K Full Rehab
  • Greater > 35K, No Restrictions

Not Sure? Take a Look at Other Pacific Northwest Mortgages

Pacific Northwest FHA Home Loans

Pacific Northwest VA Home Loans

Pacific Northwest Conventional Loans

Pacific Northwest USDA Home Loans

Pacific Northwest Jumbo Home Loans

Pacific Northwest Native American Loans

Pacific Northwest Manufactured Home Loans

Pacific Northwest Renovation Home Loans

Pacific Northwest One Time Close Loans

Pacific Northwest Non Qualified Loans

Pacific Northwest Reverse Mortgages

Pacific Northwest Refinance

Pacific Northwest Mortgage Team

Kathy Rubin

Sr Loan Officer
NMLS 204449

Damon Embler

Sr Loan Officer
NMLS 882260

Matt Williams

Sr Loan Officer
NMLS 1945867

Dale Gremillion

Manager
NMLS 210325

Pacific Northwest Mortgage Company Reviews