Capital Home Mortgage Tennessee

Tennessee FHA Home Loans

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Tennessee FHA Mortgage Lender

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

Capital Home Mortgage Tennessee is a direct Tennessee FHA 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 Tennessee Loan Officers.

What is A Tennessee FHA Loan?

FHA stands for Federal Housing Administration has been helping American families secure housing since 1934. And this commitment to affordable homeownership lives to this day through the FHA home loan program, which plays an indispensable role in the country’s economy.

FHA home loans are a popular option for homebuyers in Tennessee and across the United States, particularly for those who may have lower credit scores or smaller down payments.  FHA loan limits vary by county and are subject to change.  These limits determine the maximum loan amount borrowers can qualify for based on the location of the property.  Contact us today to find out your current FHA loan limits for Tennessee counties.

Tennessee FHA loans is that they typically require a lower down payment compared to conventional loans.  The minimum down payment for an FHA loan is 3.5% of the home purchase price.  Tennessee FHA loans are known for being more lenient with credit score requirements compared to some conventional loans.  While there isn’t a specific minimum credit score required, borrowers with lower credit scores may still be eligible. Lenders may consider other factors, such as the borrower’s debt-to-income ratio.

FHA loans require mortgage insurance, which consists of both an upfront premium at the time of closing and an annual premium paid monthly.  The mortgage insurance helps protect the lender in case the borrower defaults on the loan.

The property being financed with an FHA loan must meet certain standards set by the FHA.  This includes basic safety and livability requirements.  FHA appraisers will assess the property to ensure it meets these standards.

It’s important to note that loan terms and requirements can change, so its important to speak with a for the most up-to-date information on FHA home loans in Tennessee.

Apply for a Tennessee FHA 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 is possible with a Tennessee FHA Home Mortgage for most people even with a few bumps on the credit history.  Our Tennessee FHA loan specialists at Capital Home mortgage can answer any questions and help you determine whether the FHA loan is the best choice.  Call today (615) 549-5666 to talk to one of our Tennessee FHA Loan Officers.

Tennessee FHA Purchase Loans

Tennessee FHA Purchase Mortgage

Tennessee FHA Loans are mortgage loans for 1st time homebuyers, buyers with limited credit, buyers with less than perfect credit and buyers with higher debt to income ratios.  As the goal of FHA is to make homeownership more attainable, FHA underwriting guidelines are less strict than other mortgage loan programs.  The FHA flexibility allows for easier loan qualification making the barrier to homeownership less challenging.

  • Simple Qualifying
  • Smaller Down Payment
  • Seller Paid Closing Costs
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed
  • Manufactured Housing OK

Tennessee FHA Refinance Loans

Tennessee FHA Refinance Mortgage

Tennessee FHA Loans offers a streamline refinances that simply reduces the interest rate and lowers the payment or shortens the term of the loan.  This rate and term option can be fully documented loans, or can be reduced documentation.  The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property.

FHA Standard Refinance

  • Appraisal Required
  • 97.75% Max Loan to Value
  • Closing Costs Can Be Rolled In
  • 80% Max Loan to for Cash-out
  • Cash-out Option Available
  • County Loan Limits Apply

FHA Streamline Refinance

  • FHA to FHA
  • No Income Qualification
  • No Appraisal Required
  • Closing Costs Cannot Be Rolled In
  • No Lates on Mortgage in Last Year
  • Payment Must Drop on Fixed Rates

Tennessee FHA Renovation Loans

Tennessee FHA 203K Renovation Mortgage

Tennessee FHA offers both a Streamline and Full Rehabilitation Loans.  This is a great option for 1st time Texas home buyers looking to purchase a home that needs a little TLC.

FHA 203K is a great option for makes cosmetic changes to an older home.  It allows a FHA buyer to update out of date cosmetics of a home as part of purchase or refinance.  Make that old home new with a Streamline 203K renovation.

  • Purchase & Refinance Options
  • Primary Residences Only
  • Single, Multi Family & Condo’s
  • As-Is Improved Renovated Value
  • 203K Streamline
  • Less < 35K, Cosmetic Repairs Only
  • 203K Full Rehab
  • Greater > 35K, No Restrictions

Tennessee FHA 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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