Capital Home Mortgage Tennessee

Clarksville Home Loans

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Clarksville Mortgage Lender

Home Loans In Clarksville, Tennessee

A modern city with a small-town feel, Clarksville is also known as the “Queen City” and is the fifth-largest city in Tennessee. With over a 24 % increase in home value over the past year, the city’s real estate is showing much appeal to first-time home buyers and retirees. 

Are you looking to own a home in Clarksville? Our team at Capital Home Mortgage is here to provide the necessary assistance in obtaining the right home loan for your requirements. 

Whether it’s educating our readers on how to navigate the loan process or providing expert advice on how to get great mortgage rates and low fees, we make sure your home buying experience is enjoyable. 

Let’s quickly walk you through two essential terms that you will undoubtedly come across when applying for a home loan in Clarksville, Tennessee — prequalified and preapproved. 

Prequalified vs. Preapproved: What’s The Difference?

When you’re ready to begin the home-buying process, you’ll likely hear the terms ‘prequalified,’ and ‘preapproved’ used interchangeably. However, they’re not the same. More importantly, knowing the difference between them will save you time when you begin your application. 

  • Pre-qualified

If this is your first time buying a home, this is usually the starting stage of the process. 

Prequalified simply means that you’ve provided a lender with some basic financial information, and they’ve told you how much of a loan you may qualify for. This is a quick and easy process that can be done online or over the phone.

Usually, the borrower would undergo an initial prequalification step that leans toward discussing the goals or anything regarding the mortgage. After the goals have been set, the next step is verifying your financial documents to calculate how much house you can afford. 

The last step is getting a Letter of Pre-Qualification, which states how much money you’re eligible to borrow.

Keep in mind that the amount isn’t guaranteed until you’ve been fully approved for the loan during the prequalification process.

  • Pre-approved

A preapproval is a bit more in-depth than a pre-qualification. To be pre-approved, you’ll need to fill out a mortgage application and provide the lender with all relevant financial documents, including your W-2s, pay stubs, tax returns, and bank statements.

The lender will then review your information and credit history to determine how much of a loan you’re eligible for. Once you’re pre-approved, you’ll receive a Letter of Pre-Approval that states the amount of money you’re approved to borrow.

Unlike a prequalification, a preapproval is a more accurate estimate of how much house you can afford. The lender has reviewed all of your financial information and has given you a firm loan amount.

Clarksville, Tennessee Mortgage Lender

At Capital Home Mortgage, we have streamlined the home loan process, so every step is as straightforward as possible. Whether you’re looking for pre-qualification or pre-approval, we can help ensure a hassle-free experience. 

We understand that every homebuyer is different and therefore offer a variety of mortgage loan programs to meet your unique needs. We’re confident you’ll find the best home loan program from government-backed mortgages like USDA, FHA, VA, and Native American loans to Jumbo, Conventional, and even refinance mortgages

Start Your Home-Buying Journey in Clarksville Today!

Call us today at (615) 549-5666 to discuss your Clarksville home loan needs with our mortgage specialists

Why Clarksville is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Clarksville Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Clarksville Customer Service

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

Clarksville Mortgage Rates

Capital Home Mortgage Tennessee is dedicated to offering great Tennessee Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Clarksville Mortgage Team

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Nick Underwood

Loan Officer
NMLS 264147

Kelvin Thompson

Loan Officer
NMLS 2050042

Tennessee Mortgage Programs

Clarksville Home Purchase

Buying a Clarksville Home?

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

Clarksville Renovation Home Loans

Clarksville Renovation Loans

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

Clarksville FHA Home Loans

1st Time Clarksville Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Clarksville VA Home Loans

100% Loans for Clarksville Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Clarksville Conventional Home Loans

Flexibility for Clarksville Buyers

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

Clarksville Jumbo Home Loans

Great Clarksville Rates

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

Clarksville USDA Home Loans

Clarksville Rural Properties

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

Clarksville Native American Loans

Clarksville Native American Loans

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

Clarksville Manufactured Home Loans

Clarksville Manufactured Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Clarksville Reverse Mortgages

Your Clarksville Home at Work!

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

Clarksville Cash-Out Refinance

Clarksville Cash-Out Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Clarksville Mortgage Refinance

Clarksville Rate & Term Refinance

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

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