Charleston Mortgage Lender
Welcome to Capital Home Mortgage Charleston, your trusted mortgage lender dedicated to serving the unique needs of Charleston homebuyers and homeowners. We are committed to providing competitive mortgage rates and low fees, all while delivering exceptional customer service.
We deeply value the opportunity to earn your trust and assist you in one of your life’s most important financial decisions. At Capital Home Mortgage Charleston, we understand that purchasing a home is a significant milestone, so we offer personalized support throughout the mortgage process. We aim to make your experience seamless and stress-free, culminating in a timely and smooth closing.
As a dependable mortgage lender in Charleston, we manage every step of the lending process in-house. With our efficient processing and underwriting, we ensure quick and informed approvals so you can move forward with confidence. From your initial application to the final funding, we maintain complete oversight, ensuring that your home-buying journey is as straightforward and enjoyable as possible.
Call today (615) 549-5666 to talk to one of our South Caroline Loan Officers.
Charleston Mortgage Rates
Charleston Real estate Market
South Caroline has experienced rapid population growth and economic expansion in recent years, driving demand for housing. The city’s vibrant job market, diverse economy, and quality of life have attracted newcomers across the country. The South Caroline real estate market has seen strong demand for homes, particularly in desirable neighborhoods and suburbs. Low mortgage rates, population growth, and a healthy economy have fueled this demand, leading to competitive bidding wars and rising prices.
Like many other major cities, South Caroline has experienced significant appreciation in home prices. Limited inventory and high demand have pushed prices upward, making it challenging for some buyers, especially first-time buyers or those on a tight budget, to enter the market.
Downtown South Caroline and surrounding urban neighborhoods have undergone revitalization, with new developments, entertainment venues, and amenities attracting residents and investors. Condominiums and townhomes in these areas appeal to buyers seeking a vibrant urban lifestyle.
South Caroline’s suburbs have also experienced substantial growth as residents seek more space, better schools, and a quieter lifestyle. Suburban areas like Franklin, Brentwood, and Hendersonville offer a wide range of housing options and have become increasingly popular among homebuyers.
A shortage of inventory has been a significant challenge in the South Caroline real estate market, contributing to its competitive nature and putting upward pressure on prices. Builders have been working to meet demand, but new construction has struggled with population growth.
South Caroline’s real estate market has attracted interest from investors looking to capitalize on the city’s growth and rental demand. Investment properties, including single-family homes, multi-family units, and short-term rentals, offer opportunities for rental income and long-term appreciation.
The South Caroline real estate market remains competitive and dynamic, offering opportunities for buyers, sellers, and investors alike.
Charleston Home Mortgages
Capital Home Mortgage Charleston is a comprehensive mortgage lender in Charleston, providing a wide array of home loan options tailored to residents’ needs. Our offerings include Charleston Purchase Home Loans, Charleston Renovation Home Loans, Charleston Construction Home Loans, Charleston Manufactured Home Loans, Charleston Rate and Term Refinance Home Loans, and Charleston Cash-Out Home Loans.
Charleston Purchase Mortgages
Capital Home Mortgage Charleston is dedicated to offering Charleston home buyers a complete line of South Caroline Home Purchase Loans. We understand that purchasing a a home can be stressful and is one of the biggest decision in most peoples lives. That is why we provide dedicated contacts to guide buyers through the home buying process while educating them on the different types of home loans. Our goal is to make the home buying experience quick and easy while helping buyers evaluate and make the best decision on the loan that fits their individual needs.
Charleston REfinance Mortgages
Charleston Rate and Term Refinance Home Loans are a type of refinance in which the borrower replaces the current mortgage with a new mortgage. A rate & term refinance aims to obtain better loan terms, such as a reduced interest rate, thereby lowering the monthly payment or a different loan duration to either lower the payments or shorten the mortgage term, which may or may not result in a lower monthly payment. Additionally, a rate and term refinance can convert from one loan program to another, possibly eliminating the need for mortgage insurance.
Charleston Cash out Mortgages
Nashville Cash-Out Refinance Home Loans differ from rate and term refinances in that they allow homeowners to borrow against the equity in their homes by refinancing their current mortgage for an amount greater than the existing loan balance. The homeowner receives the difference in cash or can use the funds to consolidate date that is paid at closing. The other main differences is that cash-out refinances have lower loan to value limits than rate and term refinances and can have slightly higher rates.
Charleston Construction Mortgages
Charleston One-Time Close Construction Home Loans are distinct from traditional construction home loans 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. A One-time close loan can also be combined with other standard mortgage products, resulting in much smaller down payments.
Charleston Renovation Mortgages
Want a new Charleston home? Don’t want to purchase a home from a builder? Do you prefer an older home’s charm or a mature neighbourhood’s elegance? Or do you like the perfect location close to town? Making your dream home come true might be updating that older home. Capital Home Mortgage Charleston offers all Charleston Renovation Home Loans to make this happen. Simply put, we will handle and walk you through the complexities of a construction or rehab loan.
Charleston Manufactured Mortgages
A Charleston Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation. Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes. They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards. Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages. Contact us today to learn about Charleston Manufactured Home Loans.
Charleston Home Purchase Mortgage Loans
Capital Home Mortgage Charleston is a full-service Charleston Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a Charleston FHA Home Loan, looking for a rural property and needing a Charleston USDA Home Loan, a Native Charleston wanting to use the HUD 184 Charleston Native American Home Loan, an active or retired veteran in need of a Charleston VA Home Loan, wishing to purchase that dream home over conforming limits with a Charleston Jumbo Home Loan, a seasoned buyer in need of a Charleston Conventional Home Loan or looking for alternative financing with a Charleston Non QM Home Loan we are here to assist.
Call today (615) 549-5666 to talk to one of our Charleston Loan Officers.
Charleston FHA Home Loans
A Charleston 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 down payments. Other eligibility requirements for a Nashville FHA home loan are consistent employment history and documented income.
Charleston VA Home Loans
A Charleston VA Home Mortgage is an option for qualified veterans, active-duty service members, and select surviving spouses in Charleston. 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.
Charleston USDA Home Loans
A Charleston USDA Home Mortgage is a zero-down mortgage program the US Department of Agriculture (USDA) provides 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.
Charleston Native American Home Loans
A Charleston Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Tennessee Native Americans. This loan offers more accessible credit qualifications and tribal grants and can be used to renovate the home along with the purchase.
Charleston Conventional Home Loans
A Charleston Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements. These loans can be used for primary residences, 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 called Conforming loans and have capped loan limits updated annually on January 1st based on the median selling price within a local area.
Charleston Jumbo Home Loans
A Charleston 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).
Charleston Non Qualified Home Loans
A Charleston Non-Qualified Mortgage, 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.
Charleston Reverse Home Loans
A Charleston Reverse Mortgage, also known as a home equity conversion mortgage, is a type of loan available to homeowners typically aged 62 or older. It allows them to convert part of the equity in their home into cash. Unlike a traditional mortgage, where the borrower makes monthly payments to the lender, a reverse mortgage pays the homeowner either through a lump sum, monthly payments, or a line of credit.
Charleston Mortgage Company Reviews
Charleston Mortgage Team
Charleston Mortgage Programs
Charleston Purchase loans
Looking to Purchase a Charleston 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
Charleston Renovation Home Loans
Looking to Rehab a Charleston 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
Charleston FHA Home loans
Great 1st Time Charleston 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
Charleston va Home Loans
100% Financing for Charleston 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
Charleston Conventional Home loans
Flexibility for Charleston 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
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Charleston Jumbo Home Loans
Charleston Non-Confirming 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
Charleston USDA Home loans
100% Charleston 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
Charleston Native american Loans
Charleston 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
Charleston Manufactured Home loans
Great Charleston 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
Charleston Reverse Mortgage Loans
Your Charleston 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
Charleston Non QM Home loans
Making Charleston 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
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Charleston One Time Close Home Loans
Build Your Charleston 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
Charleston Refinance Mortgage loans
Charleston 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
Charleston Cashout Mortgage Loans
Charleston 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
South Carolina Cities
State Specific Mortgage Information