Capital Home Mortgage Pennsylvania

Pennsylvania Home Loans

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Pennsylvania Mortgage Lender

Home Loans in Pennsylvania

Welcome to Capital Home Mortgage Pennsylvania, where we strive to provide Pennsylvania Home Loans to Pennsylvania homebuyers and homeowners at competitive rates and fees while giving great service.

First we’d like to thank you for the opportunity to earn your business.  We understand that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage Pennsylvania offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be fun rather than stressful.

Capital Home Mortgage Pennsylvania as a direct Pennsylvania Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Pennsylvania is a full-service Pennsylvania Mortgage Lender that offers a comprehensive range of Pennsylvania Mortgage Programs as well as competitive Pennsylvania Mortgage Rates.  Whether you are a first-time purchaser seeking a Pennsylvania FHA Home Loan, looking for a rural property and needing a Pennsylvania USDA Home Loan, an active or retired veteran in need of a Pennsylvania VA Home Loan, or a seasoned buyer in need of a Pennsylvania Conventional Home Loan, we are here to assist.   

Call today (267) 710-4886 to speak with our Pennsylvania Loan Officers.
 

Pennsylvania, is referred to as the “Keystone State” due to its central location among the original thirteen colonies and its role in holding the Union together during the American Civil War.  Located in the northeastern and Mid-Atlantic regions of the United States, Pennsylvania is bordered by New York to the north, New Jersey to the east, Delaware and Maryland to the southeast, West Virginia to the southwest, Ohio to the west, and Lake Erie to the northwest. 

It has a diverse geography, including rolling hills, fertile plains, forests, and mountainous regions such as the Appalachian Mountains in the west.

Harrisburg is the capital city of Pennsylvania, situated on the east bank of the Susquehanna River. It is also the county seat of Dauphin County.  Major Cities include Philadelphia, the largest city in Pennsylvania, known for its rich history, cultural attractions, and vibrant arts scene. Pittsburgh, located in the western part of the state, is known for its steel industry heritage, modern technology sector, and stunning skyline.

Pennsylvania has a diverse economy with significant contributions from sectors such as manufacturing, healthcare, education, finance, agriculture, and tourism. Historically known for its steel production, the state has diversified its economy over the years, with service industries playing an increasingly important role.

Home to several prestigious universities and colleges, including the University of Pennsylvania, Carnegie Mellon University, Pennsylvania State University and Temple University, among others.

Pennsylvania played a crucial role in the founding of the United States and has a rich historical heritage. It was where the Declaration of Independence and the Constitution were drafted and signed in Philadelphia. The state also played a significant role in the American Revolutionary War and the Civil War.

The cultural landscape is also diverse, influenced by its history, immigrant communities, and regional characteristics.  It boasts a rich tradition of arts, music, literature, and cuisine.   Pennsylvania Dutch Country in the southeastern part of the state is known for its Amish and Mennonite communities, distinctive crafts, and traditional food.

Pennsylvania offers abundant opportunities for outdoor recreation, including hiking, camping, skiing, fishing, and boating. The state is home to several state parks, national forests, and natural landmarks such as the Pocono Mountains, Allegheny National Forest, and the Appalachian Trail.

Similar to other states, Pennsylvania’s real estate market is subject to fluctuations in the economy, interest rates, and other related issues.  With a moderate rate of appreciation in property values over time, the market is generally steady.
 
Philadelphia, Pittsburgh, Allentown, Harrisburg, and other large cities located in Pennsylvania offer metropolitan areas that provide a variety of housing choices, from contemporary condominiums and opulent flats to historic rowhouses and brownstones. Costs can dramatically depend on amenities and location.
 
Families and working adults seeking a balance between suburban peace and urban conveniences are drawn to the suburbs that are near large cities.  
 
Pennsylvania’s rural areas are home to some charming small towns and rural communities.  These places are appealing to people looking for a more tranquil way of life since they offer chances for farming, outdoor activities, and tight-knit communities.  Rustic cottages, country estates, and farms are examples of rural properties.
 
Pennsylvania presents a range of investment opportunities.  Real estate investors find cities with thriving rental markets, such as Pittsburgh and Philadelphia, appealing.  
 
With a rich history, Pennsylvania is home to numerous properties that date back to the colonial era.  All around the state are historic houses and buildings, but especially in big towns like Philadelphia where neighborhood character and charm are enhanced by preservation initiatives.
 
All things considered, Pennsylvania has a wide variety of real estate options, ranging from thriving urban areas to tranquil rural getaways. Pennsylvania offers plenty to offer for every taste and lifestyle, whether you’re searching for a huge farm in the countryside, a historic townhouse in Philadelphia, or a suburban home close to Pittsburgh.

Thank you again for allowing us to help you with your Pennsylvania Home Loan.

Pennsylvania Home Loans

Pennsylvania Conventional Home Loans

Pennsylvania Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Pennsylvania FHA Home Loans

Pennsylvania FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone. FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Pennsylvania FHA home loan is consistent employment history and documented income.

Pennsylvania VA Home Loans

A Pennsylvania VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Pennsylvania.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Pennsylvania USDA Home Loans

Pennsylvania USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Pennsylvania Jumbo Home Loans

A Pennsylvania Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Pennsylvania Non QM Home Loans

Pennsylvania Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Pennsylvania One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Pennsylvania One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Pennsylvania 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

Pennsylvania 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
Pennsylvania Home Mortgage Programs

Pennsylvania Home Purchase loans

Looking to Purchase a Pennsylvania 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

Pennsylvania Renovation Home Loans

Looking to Rehab a Pennsylvania 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

Pennsylvania FHA Home loans

Great 1st Time Pennsylvania 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

Pennsylvania va Home Loans

100% Financing for Pennsylvania 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

Pennsylvania Conventional Home loans

Flexibility for Pennsylvania 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

Pennsylvania Jumbo Home Loans

Pennsylvania 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

Pennsylvania USDA Home loans

Pennsylvania 100% Rural Home 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

Pennsylvania Native american Home Loans

Not Available in Pennsylvania

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

Pennsylvania Manufactured Home loans

Great Pennsylvania 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

Pennsylvania Reverse Mortgage Loans

Your Pennsylvania 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

Pennsylvania Non QM Home loans

Making Pennsylvania 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

Pennsylvania One Time Close Home Loans

Build Your Pennsylvania 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

Pennsylvania Refinance Mortgage loans

Pennsylvania 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

Pennsylvania Cashout Mortgage Loans

Pennsylvania 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

Pennsylvania Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Jordan Mowrey

Jordan Mowrey

SR Loan Officer
NMLS 210325

Pennsylvania Mortgage Company Reviews

Pennsylvania Cities

Philadelphia Home Loans

Pittsburgh Home Loans

Allentown Home Loans

State Specific Mortgage Information
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