Patrick Easter Mortgage Team

Making Dreams Possible

Patrick Easter Mortgage Team

Thank you for visiting Capital Home Mortgage and for your interest in the Patrick Easter Mortgage Team.  We are honored that your agent has entrusted us with the opportunity to provide you with your next mortgage loan.   Our goal is simple. To provide a stress free experience with competitive rates, low fees and superior service. Our concierge approach provides you with direct no nonsense real time answers, timely communication that keeps you, your agent and other parties fully engaged for an on time closing.  Thank you again for giving us the opportunity to serve you.
Why Patrick Easter Clients Are 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

Capital Home 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 Loan Programs

Home Purchase

Home Purchase Lender

Buying a Home?

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

Renovation Home Loans

Renovation Home Lender

Rehab Loans

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

FHA Home Loans

FHA Home Lender

1st Time Homebuyers

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

VA Home Loans

VA Home Lender

100% Home Loans

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

Conventional Home Loans

Conventional Home Lender

Flexibility for Buyers

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

Jumbo Home Loans

Jumbo Home Lender

Non Conforming Loans

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

USDA Home Loans

USDA Home Loan Benefits

Rural Properties

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

Native American Home Loans

HUD 184 Native American Home Loans

HUD 184 Loans

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

Manufactured Home Loans

Manufactured Home Lender

Manufactured, Modular, Barndominium

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

Reverse Mortgage Loans

Reverse Mortgage Home Lender

Your Home at Work

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

Non Qualified Mortgages

Non Qualified Mortgage Lender

Making Mortgages Possible

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

One Time Close Construction

One Time Close Construction Lender

Build Your Dream Home

  • Primary Residence Only
  • One Time Close
  • Lock Rate at Contract
  • Traditional Final Mortgages

Mortgage Refinance

Mortgage Refinance Lender

Rate & Term Refinance

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

Cash Out Refinance

Cash-Out Mortgage Refinance Lender

Equity Mortgage Loans

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Patrick Easter Mortgage Team

Patrick Easter

Business Development
NMLS 2056356

Brad Rund

Director
Manufactured Lending

Dale Gremillion

Manager
NMLS 210325

Kathy Rubin

Sr Loan Officer
NMLS 204449

Capital Home Mortgage Company Reviews