Capital Home Mortgage Rhode Island

Rhode Island Home Loans

Home Purchase
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Rhode Island Mortgage Lender

Welcome to Capital Home Mortgage Rhode Island. First, we want to thank you for the opportunity to earn your mortgage business.  We understand that purchasing a home is the biggest decision in most people’s lives and why Capital Home Mortgage provides dedicated points of contact throughout the entire loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing.  After all, buying a home should be exciting, not stressful. As a direct Rhode Island Mortgage Lender Capital Home Mortgage controls the loan process from start to finish. This means from application to funding we make every decision. Our in-house processing and underwriting allow for quick make sense approvals and on-time closings. Capital Home Mortgage is a full-service Rhode Island Mortgage Company providing a complete line of home loan products along with great Rhode Island Mortgage Rates.

Whether you are a first-time homebuyer looking at a Rhode Island FHA Home Loan, active duty or retired veteran needing a Rhode Island VA Home Loan, or a seasoned buyer with a Rhode Island Conventional Home Loan we are here to help.

Thank you again for your interest in our services and we look forward to providing you next home loan.

Why Rhode Island is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Rhode Island Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Rhode Island Customer Service

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

Rhode Island 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

Rhode Island Loan Programs

Rhode Island Home Purchase

Buying a Rhode Island Home?

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

Rhode Island Renovation Home Loans

Rhode Island Rehab Loans

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

Rhode Island FHA Home Loans

1st Time Rhode Island Homebuyers

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

Rhode Island VA Home Loans

100% Loans for Rhode Island Veterans

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

Rhode Island Conventional Home Loans

Flexibility for Rhode Island Buyers

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

Rhode Island Jumbo Home Loans

Great Rhode Island Rates

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

Rhode Island USDA Home Loans

Rhode Island Rural Properties

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

Rhode Island Native American Loans

Rhode Island HUD 184 Loans

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

Rhode Island Manufactured Home Loans

Rhode Island Mobile Homes

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

Rhode Island Reverse Mortgages

Your Rhode Island Home at Work!

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

Rhode Island Mortgage Refinance

Rhode Island Cash-Out or Rate and Term

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

Rhode Island Non Qualified Mortgage

Making Rhode Island Mortgages Possible

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

Rhode Island Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

Rhode Island Mortgage Company Reviews

Select Your Rhode Island City

Providence Home Loans

Cranston Home Loans

Warwick Home Loans

Pawtucket Home Loans