Capital Home Mortgage Clarksville

Clarksville Home Loans

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Clarksville Mortgage Lender

Welcome to Capital Home Mortgage Clarksville, a Clarksville Mortgage Lender that strives to provide Clarksville homebuyers and homeowners Clarksville Home Loans at competitive Clarksville Mortgages Rates with low fess while ensuring outstanding customer service.

First, we’d like to thank you for the opportunity to provide you with your next mortgage.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Clarksville offers dedicated points of contact throughout the mortgage process.  This assures a stress-free experience resulting with an on-time closing.  After all, buying a home should be exciting, not stressful.

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

Call today (615) 549-5666 to talk to one of our Clarksville Loan Officers.

Clarksville Real estate Market

Clarksville has experienced rapid growth in recent years, thanks to its close proximity to Nashville, a thriving economy, and an exceptional quality of life. The surge in population has led to a rise in housing demand, whether it be for buying or renting.  When it comes to housing options, Clarksville stands out as a more affordable choice compared to nearby cities like Nashville. The affordability of this location has made it a highly desirable choice for homebuyers, particularly those who are purchasing a home for the first time or military families stationed at Fort Campbell.

Fort Campbell, a major military installation, greatly influences the Clarksville real estate market. Military personnel and their families frequently search for housing in the area, leading to an increased demand for rental properties and opening up possibilities for real estate investors.

Clarksville provides a wide variety of housing options, encompassing single-family homes, townhouses, condominiums, and rental properties. New construction projects and planned developments are designed to meet the demands of a rapidly expanding population.

The presence of military personnel, students from Austin Peay State University, and a thriving workforce has led to a robust rental market in Clarksville. Rental properties in high-demand areas, such as those near military bases and the university campus, have experienced consistent interest and stable rental rates.

Clarksville has experienced significant improvements in its infrastructure and amenities to cater to the needs of its expanding population. The city’s charm is elevated by road improvements, retail developments, and recreational facilities, which in turn boost property values in select neighborhoods.

Investors have been drawn to Clarksville’s real estate market due to the potential for rental properties and opportunities for appreciation. The market’s attractiveness to investors lies in its population growth, robust rental market, and affordable housing prices, which offer the potential for long-term returns.

Clarksville, like any growing city, has its fair share of challenges. These include traffic congestion, infrastructure needs, and the delicate balance between growth and preserving the city’s unique character and natural resources. Tackling these challenges is crucial to maintain the city’s growth and foster a thriving real estate market.

In Clarksville, the real estate market offers a range of opportunities for buyers, sellers, and investors. The area’s affordability, diverse housing options, and strong rental market have contributed to sustained interest and investment.

Clarksville Home Mortgages

Capital Home Mortgage Clarksville is a full-service Clarksville Mortgage Lender that offers a complete line of home loans to meet all Clarksville Residents lending needs: Clarksville Purchase Home Loans, Clarksville Renovation Home Loans, Clarksville Construction Home Loans, Clarksville Manufactured Home Loans, Clarksville Rate and Term Refinance Home Loans and Clarksville Cash-Out Home Loans.

Clarksville Purchase Mortgages

Clarksville Refinance Mortgages

Clarksville Cash-Out Mortgages

Tennessee Purchase Mortgages

Clarksville Home Loans

Capital Home Mortgage Clarksville is dedicated to offering Clarksville home buyers a complete line of Clarksville Home Purchase Home 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.

Tennessee Refinance Mortgages

Clarksville REfinance Loans

Clarksville Rate and Term Refinance Home Loans are a type of refinance in which the borrower replaces the current mortgage with a new mortgage.  The goal of a rate & term refinance is to obtain better loan terms, such as a reduced interest rate thereby lowering the monthly payment and/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 be used to convert from one loan program to another possibly eliminating the need for mortgage insurance.

Tennessee Cash-Out Mortgages

Clarksville Cash-Out Loans

Clarksville 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.

Clarksville Construction Mortgages

Clarksville Renovation Mortgages

Clarksville manufactured Mortgages

Tennessee Construction Mortgages

Clarksville construction loans

Clarksville One-Time Close Construction Home Loans are 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.  A One time close loan also can be combined with other standard mortgage products resulting in much smaller down payments.

Tennessee Renovation Mortgages

Clarksville Renovation Loans

Want a new Clarksville home?  Don’t want to purchase a home from a builder?  Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town?  Making your dream home come true might just be in updating that older home. Capital Home Mortgage Clarksville offer all types of Clarksville Renovation Home Loans to make this happen.  To put it simply, we will handle and will walk you through the complexities involved in a construction or rehab loan.  

Tennessee Manufactured Mortgages

Clarksville Manufactured Loans

A Clarksville 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 Clarksville Manufactured Home Loans.

Clarksville Home Purchase Mortgage Loans

Capital Home Mortgage Clarksville is a full-service Clarksville Mortgage Lender that offers a complete line of home loans.  Whether you are a first-time purchaser seeking a Clarksville FHA Home Loan, looking for a rural property and needing a Clarksville USDA Home Loan, a Native Tennessean wanting to use the HUD 184 Clarksville Native American Home Loan, an active or retired veteran in need of a Clarksville VA Home Loan , wanting to purchase that dream home over conforming limits with a Clarksville Jumbo Home Loan, a seasoned buyer in need of a Clarksville Conventional Home Loan or looking for alternative financing with a Clarksville Non QM Home Loan we are here to assist.  Call today (615) 549-5666 to talk to one of our Clarksville Loan Officers.

Clarksville FHA Mortgages

Clarksville VA Mortgages

Clarksville USDA Mortgages

Clarksville HUD184 Mortgages

Tennessee FHA Mortgages

Clarksville FHA Loans

A Clarksville Nashville 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 Clarksville FHA home loan is consistent employment history and documented income.

Tennessee VA Mortgages

Clarksville VA Loans

A Clarksville VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Clarksville.  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.

Tennessee USDA Mortgages

Clarksville USDA Loans

A Clarksville 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.

Tennessee HUD 184 Mortgages

Clarksville Native American Loans

A Clarksville Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Clarksville Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Clarksville Conventional Mortgages

Clarksville Jumbo Mortgages

Clarksville Non Qualified Mortgages

Tennessee conventional Mortgages

Clarksville Conventional loans

A Clarksville 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.

Tennessee jumbo Mortgages

Clarksville Jumbo Loans

Clarksville 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).

Tennessee Non QM Mortgages

Clarksville Non-Qualified Loans

A Clarksville 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.

Why Clarksville 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

Clarksville 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
Tennessee Mortgage Programs

Tennessee Purchase loans

Looking to Purchase a Tennessee 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

Tennessee Renovation Home Loans

Looking to Rehab a Tennessee 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

Tennessee FHA Home loans

Great 1st Time Tennessee 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

Tennessee va Home Loans

100% Financing for Tennessee 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

Tennessee Conventional Home loans

Flexibility for Tennessee 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

Tennessee Jumbo Home Loans

Tennessee 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

Tennessee USDA Home loans

100% Tennessee 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

Tennessee Native american Home Loans

Tennessee 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

Tennessee Manufactured Home loans

Great Tennessee 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

Tennessee Reverse Mortgage Loans

Your Tennessee 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

Tennessee Non QM Home loans

Making Tennessee 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

Tennessee One Time Close Home Loans

Build Your Tennessee 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

Tennessee Refinance Mortgage loans

Tennessee 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

Tennessee Cashout Mortgage Loans

Tennessee 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

Clarksville Mortgage Team

Sam Klaburner

Sr Loan Officer
NMLS #140132

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

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