Capital Home Mortgage Tennessee

Tennessee Purchase Home Loans

Tennessee Purchase Mortgage Lender

Welcome to Capital Home Mortgage Tennessee.  As a Tennessee Purchase Mortgage Lender we are dedicated to provide Tennessee homebuyers with Tennessee Purchase Home Loans at competitive Tennessee Purchase Mortgages Rates with low fees while ensuring outstanding Tennessee customer service.  We understand that a Tennessee Home Purchase can be stressful and is one of the biggest decisions in most peoples lives.  That is why we provide dedicated points of contacts to guide buyers through the home buying process while educating them on the different types of home purchase loans in Tennessee.  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.

Whether you are a first-time home buyer seeking  a Tennessee FHA Purchase Loan, looking at a rural property and needing a Tennessee USDA Purchase Loan, a Tennessee Native American Purchase Loan, a an active duty or retired veteran in need of Tennessee VA Purchase Loan, or a seasoned buyer in need of a Tennessee Conventional Home Loan, we can help.

Capital Home Mortgage Tennessee is a Tennessee Purchase Mortgage Lender that manages the entire lending process from application to the funding. Our in-house processing and underwriting enables for quick, common sense approvals and timely closings. 

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

Tennessee Purchase Home Loans

Capital Home Mortgage Tennessee offers a variety of Tennessee Mortgage Programs.  A brief summary is below as well as key points to understand in the home buying process.

  • Down Payment:  The initial payment made towards the purchase of the home, usually calculated as a percentage of the total purchase price. 
  • Interest Rates: The rate at which the lender charges you to borrow the money. Rates can be fixed (unchanging throughout the loan term) or adjustable (fluctuating over time).
  • Loan Term: The duration of the loan, commonly 15 or 30 years, though other terms may be available. 
  • Closing Costs: Fees associated with finalizing the mortgage, including loan origination fees, appraisal fees, title insurance, and more. 
  • Pre-Approval vs. Pre-Qualification: Pre-qualification is an initial assessment of your ability to qualify for a loan based on self-reported information. Pre-approval involves a lender’s detailed review of your financial information and credit score to determine the specific loan amount you’re eligible for.
  • Credit Score: A major factor in determining loan eligibility and interest rates. Higher credit scores often lead to lower interest rates.
  • Private Mortgage Insurance (PMI): Required for conventional loans with less than a 20% down payment, PMI protects the lender in case the borrower defaults on the loan.
  • Home Appraisal: Conducted by a professional to determine the fair market value of the property being purchased.

Tennessee Purchase Home Loans

Tennessee One Time Close Loans
Tennessee Renovation Loans
TEnnessee manufactured Loans
Tennessee One Time Close Loans

Tennessee one time close construction Purchase Home loans

Tennessee One-Time Close Construction Purchase Home Mortgage 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 Loans

Tennessee Purchase Renovation Home Loans

Want a new Tennessee 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 Tennessee offer all types of Tennessee Renovation Purchase Home Mortgage 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 Loans

Tennessee Purchase Manufactured Home Loans

A 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 a Tennessee Manufactured Home Mortgage.

Tennessee Purchase Mortgage Loans

Capital Home Mortgage Tennessee is a full-service Tennessee Mortgage Lender that offers a complete line of home loans.  Whether you are a first-time purchaser seeking a Tennessee FHA Home Loan, looking for a rural property and needing a Tennessee USDA Home Loan, a Native Tennessean wanting to use the HUD 184  Tennessee Native American Home Loan, an active or retired veteran in need of a Tennessee VA Home Loan, wanting to purchase that dream home over conforming limits with a Tennessee Jumbo Home Loan, a seasoned buyer in need of a Tennessee Conventional Home Loan or looking for alternative financing with a Tennessee Non QM Home Loan we are here to assist.  Call today (615) 549-5666 to talk to one of our Tennessee Loan Officers.
Tennessee FHA Loans
Tennessee VA Loans
TEnnessee USDA loans
TEnnessee HUD184 loans
Tennessee FHA Loans

Tennessee FHA Purchase Home Loans

Tennessee FHA Purchase 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 Tennessee FHA home loan is consistent employment history and documented income.

Tennessee VA Loans

Tennessee VA Purchase Home Loans

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

Tennessee USDA Purchase Home Loans

Tennessee USDA Purchase 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 Loans

Tennessee Native American PURCHASE Home Loans

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

Tennessee Conventional Loans
Tennessee Jumbo Loans
Tennessee Non Qualified loans
Tennessee conventional Loans

Tennessee Conventional PURCHASE home loans

A Tennessee Conventional Purchase 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 Loans

Tennessee Jumbo PURCHASE Home Loans

A Tennessee Jumbo Purchase 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 Loans

Tennessee Non-Qualified PURCHASE Home Loans

Tennessee Non-Qualified Purchase Home Mortgage, 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.

Tennessee Home Purchase Loans

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, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured
Tennessee fixed rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

Tennessee Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Tennessee Purchase 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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