Capital Home Mortgage Knoxville

Knoxville Home Loans

Home Purchase
Save Today
Have Questions?

Knoxville Mortgage Lender

Welcome to Capital Home Mortgage Knoxville. We are a Knoxville Mortgage Lender that works hard to offer Knoxville homeowners and homebuyers Knoxville Home Loans at affordable Knoxville Mortgage Rates with low fees, all the while maintaining top-notch customer support.

First and foremost, we want to thank you for giving us the chance to earn your business. Capital Home Mortgage Knoxville gives you an assigned representative to talk to at every step of the mortgage process because most people think buying a home is the most important choice they will ever make. This makes sure that the process goes smoothly and the close happens on time. Finally, getting a house should be exciting, not unsettling.

Capital Home Mortgage Knoxville is a direct mortgage company in Knoxville. They handle the whole loan process from beginning to end. Our internal processing and underwriting make it possible for quick, smart decisions and on-time closings. We are in charge of everything, including the funding and application steps.

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

Knoxville Real estate Market

Knoxville’s real estate market has experienced steady growth in recent years, fueled by factors like population expansion, economic progress, and a comparatively affordable cost of living in comparison to other urban regions.  Knoxville is a great place to settle down, with housing options that won’t break the bank.  It’s a popular choice for those looking to buy their first home, start their careers, or raise a family. The affordability factor has played a significant role in driving the ongoing demand for both rental and ownership properties.

Knoxville boasts a thriving rental market, thanks to the influence of the University of Tennessee and the increasing number of young professionals. Rental properties, such as apartments, single-family homes, and student housing, have experienced consistent demand and rental rates.

The downtown area of Knoxville and the neighborhoods nearby have experienced a remarkable transformation in recent years.  This has resulted in the restoration of historic buildings, the establishment of mixed-use developments, and the improvement of various amenities like restaurants, shops, and entertainment venues. These efforts have led to a rise in property values and a surge in new residents and businesses coming to the area.

Knoxville’s economy has expanded beyond its traditional manufacturing base, experiencing growth in sectors such as healthcare, technology, and education. The region has experienced a surge in demand for housing and commercial real estate, thanks to job growth and economic development initiatives.

Knoxville’s real estate market has caught the attention of investors looking for chances to generate rental income, benefit from property appreciation, and undertake development projects. Both local and out-of-state investors have been actively participating in the market, especially in areas that exhibit robust rental demand and growth potential.

Similar to other cities, Knoxville encounters various challenges including affordable housing shortages in certain neighborhoods, infrastructure needs, and potential impacts from external factors such as natural disasters or economic downturns. Tackling these challenges is crucial to maintain the market’s ongoing expansion and stability.

In general, the real estate market in Knoxville offers various opportunities for individuals interested in buying, selling, or investing. The region’s affordability, potential for growth, and range of quality amenities continue to attract attention and investment.

Knoxville Home Mortgages

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

Knoxville Purchase Mortgages

Knoxville Refinance Mortgages

Knoxville Cash-Out Mortgages

Knoxville Purchase Mortgages

Knoxville Home Loans

Capital Home Mortgage Knoxville is dedicated to offering Tennessee home buyers a complete line of Knoxville 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.

Knoxville Refinance Mortgages

Knoxville REfinance Loans

Knoxville 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.

Knoxville Cash-Out Mortgages

Knoxville Cash-Out Loans

Knoxville 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.

Knoxville Construction Mortgages

Knoxville Renovation Mortgages

Knoxville manufactured Mortgages

Knoxville Construction Mortgages

Knoxville construction loans

Knoxville 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.

Knoxville Renovation Mortgages

Knoxville Renovation Loans

Want a new Knoxville 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 Knoxville offer all types of Knoxville 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.  

Knoxville Manufactured Mortgages

Knoxville Manufactured Loans

A Knoxville 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 Knoxville Manufactured Home Loans.

Knoxville Home Purchase Mortgage Loans

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

Knoxville FHA Mortgages

Knoxville VA Mortgages

Knoxville USDA Mortgages

Knoxville HUD184 Mortgages

Knoxville FHA Mortgages

Knoxville FHA Loans

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

Knoxville VA Mortgages

Knoxville VA Loans

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

Knoxville USDA Mortgages

Knoxville USDA Loans

A Knoxville 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.

Knoxville HUD 184 Mortgages

Knoxville Native American Loans

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

Knoxville Conventional Mortgages

Knoxville Jumbo Mortgages

Knoxville Non Qualified Mortgages

Knoxville conventional Mortgages

Knoxville Conventional loans

A Knoxville 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.

Knoxville jumbo Mortgages

Knoxville Jumbo Loans

A Knoxville 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).

Knoxville Non QM Mortgages

Knoxville Non-Qualified Loans

A Knoxville 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 Knoxville 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

Knoxville 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

Knoxville 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

Knoxville Mortgage Company Reviews

Tennessee Cities

Nashville Home Loans

Memphis Home Loans

Knoxville Home Loans

Chattanooga Home Loans

Clarksville Home Loans

Murfreeboro Home Loans

State Specific Mortgage Information

Accessibility Toolbar