Capital Home Mortgage South Dakota

South Dakota Home Loans

Home Purchase
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South Dakota Mortgage Lender

Welcome to Capital Home Mortgage South Dakota. 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 South Dakota 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 South Dakota Mortgage Company providing a complete line of home loan products along with great South Dakota Mortgage Rates.

Whether you are a first-time homebuyer looking at a South Dakota FHA Home Loan, active duty or retired veteran needing a South Dakota VA Home Loan, or a seasoned buyer with a South Dakota 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 South Dakota is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great South Dakota Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

South Dakota Customer Service

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

South Dakota 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

South Dakota Loan Programs

South Dakota Home Purchase

Buying a South Dakota Home?

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

South Dakota Renovation Home Loans

South Dakota Rehab Loans

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

South Dakota FHA Home Loans

1st Time South Dakota Homebuyers

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

South Dakota VA Home Loans

100% Loans for South Dakota Veterans

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

South Dakota Conventional Home Loans

Flexibility for South Dakota Buyers

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

South Dakota Jumbo Home Loans

Great South Dakota Rates

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

South Dakota USDA Home Loans

South Dakota Rural Properties

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

South Dakota Native American Loans

South Dakota HUD 184 Loans

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

South Dakota Manufactured Home Loans

South Dakota Mobile Homes

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

South Dakota Reverse Mortgages

Your South Dakota Home at Work!

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

South Dakota Mortgage Refinance

South Dakota Cash-Out or Rate and Term

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

South Dakota Non Qualified Mortgage

Making South Dakota Mortgages Possible

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

South Dakota 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

South Dakota Mortgage Company Reviews

South Dakota Cities

Sioux Falls Home Loans

Rapid City Home Loans

Aberdeen Home Loans

Pierre Home Loans