Capital Home Mortgage Tennessee

Tennessee Conventional Home Loans

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Tennessee Conventional Mortgage Lender

Welcome to Capital Home Mortgage Tennessee, where we endeavor to provide Tennessee homebuyers and homeowners Tennessee Conventional Home Loans at competitive Tennessee Conventional Mortgages Rates with low fess while ensuring outstanding customer service.  Whether you are a first time home buyer, looking to purchase in the city or country, a repeat buyer, or an investor a Tennessee Conventional Home Mortgage might be right for you.  We understand that purchasing a home is an important decision, which is why Capital Home Mortgage Tennessee, a Tennessee Conventional Mortgage Lender offers dedicated points of contact throughout the mortgage process.  This assures serene experience resulting with an on-time closing.

Capital Home Mortgage Tennessee is a Tennessee Conventional 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 funding.

Call today (615) 960-4565 to talk to one of our Tennessee Loan Officers.

What is A Tennessee Conventional Loan?

Like in other US states, Tennessee offers conventional home mortgages that are not government-guaranteed or insured. Rather, they follow the restrictions and credit limits established by government-sponsored enterprises (GSEs), such as Freddie Mac and Fannie Mae.

Tennessee Loan restrictions for conventional loans are determined by Freddie Mac and Fannie Mae. These limitations could change yearly and depend on how many units the property has (e.g., single-family, duplex, etc.). If borrowers in Tennessee need to finance an amount more than these limits, they may want to think about jumbo loans. Conventional loans in Tennessee may have different down payment requirements depending on a number of variables, including loan amount, credit score, and other unique situations. Although a down payment of at least 5% to 20% is customary, first-time buyers can choose to make a smaller down payment, like 3%.

When it comes to credit score standards, Tennessee Conventional Mortgages are typically more stringent than government-backed loans such as FHA. Better interest rates and conditions are frequently only available to those with a higher credit score, however specific restrictions may differ.

Borrowers usually have to pay private mortgage insurance (PMI) until they reach a specific amount of equity in the home if the down payment is less than 20%. PMI can frequently be eliminated after the loan-to-value ratio falls below 80%.

Tennessee Factors such as the borrower’s creditworthiness and market conditions might affect the interest rate on conventional loans. The debt-to-income ratio of a borrower to assess their capacity for making monthly payments. A lower debt-to-income ratio usually increases the likelihood of a loan being approved.

Tennessee A property evaluation is usually required for conventional loans in order to make sure the value of the house matches the loan amount. By guaranteeing a fair market value for the property, the appraisal serves to safeguard both the borrower and the lender.

Tennessee Many loan terms are available with conventional loans, such as adjustable-rate mortgages, 30-year fixed-rate mortgages, and 15-year fixed-rate mortgages. The duration that best suits the borrower’s financial objectives can be chosen.

Apply for a Tennessee Conventional Home Loan Now with Capital Home Mortgage!

Even with mortgage interest rates continuing to move, now is an excellent time to buy a home.  Financing your dream home is possible with a Tennessee Conventional Home Mortgage from Capital Home Mortgage Tennessee.  Contact us today to speak to one of our Tennessee Conventional Loan Officers to determine the best loan program.  Call today (615) 549-5666

Tennessee Conventional Purchase Loans

Tennessee Conventional Purchase Mortgage

Tennessee Conventional Purchase Loans are one of the most popular types of loans and a great choice for many Tennessee homebuyers.  Tennessee Conventional mortgages can be used to purchase any type of occupancy. while FHA, USDA, VA and Native American Loans are restricted to primary residence only.  Tennessee Conventional Home mortgages are great for borrowers that have higher credit scores and typically have easier qualifying.

  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • MAXIMUM LOAN AMOUNT – $766,550

Tennessee Conventional Refinance Loans

Tennessee Conventional Refinance Mortgage

Tennessee Conventional Refinance Loans are used for more refinances than any other type of mortgage loans.  This is due to Tennessee Conventional Mortgage Loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to values.  Tennessee Conventional Mortgages require better credit scores but offer better rates.

  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates & Flexible Terms
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Tennessee Conventional Renovation Loans

Tennessee Conventional Renovation Mortgage

Want a new Tennessee Home?  Don’t want to purchase 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 Tennessee dream home come true might just be updating  that older home. 

  • 95% LTV Primary  Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Tennessee 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
Why Tennessee 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

Tennessee Mortgage Company Reviews

Tennessee 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
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

Tennessee Cities

Nashville Home Loans

Memphis Home Loans

Knoxville Home Loans

Chattanoga Home Loans

Clarksville Home Loans

Murfreeboro Home Loans

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