Capital Home Mortgage Tennessee

Tennessee Mortgage Refinance

Tennessee Refinance Mortgage Lender

Welcome to Capital Home Mortgage Tennessee, a Tennessee Refinance Mortgage Lender that strives to provide Tennessee homeowners with Tennessee Mortgage Refinances at competitive Tennessee Refinance Mortgage Rates with low fees while ensuring outstanding customer service.

First, we’d like to thank you for the opportunity to earn your Tennessee Refinance Home Loan business.   We understand that refinancing is an important decision, that is why Capital Home Mortgage Tennessee offers dedicated refinance specialists to listen your your specific needs and go over all of the potential options.

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

Call today (615) 549-6555 to talk to one of our Tennessee Refinance Loan Officers.

Tennessee Refinance Home Loans

Tennessee Rate & TErm Refinance

A Tennessee rate and term mortgage refinance is a type of Tennessee mortgage refinancing in which the borrower modifies the terms of their current mortgage loan.  The goal is to obtain better loan terms, such as a reduced interest rate and/or a different loan duration by replacing the existing mortgage agreement with a new one.  Refinancing involves paying off the existing mortgage and then making payments on the new loan.  A rate and term refinance aims to enhance the borrower’s financial standing by swapping their current mortgage for a new one with better conditions.

The interest rate, monthly payments, and term length of the mortgage can change during a rate and term refinance, and the borrower may be required to have a specific credit score and debt-to-income ratio to qualify.  The refinance loan features a new (preferably lower) interest rate and a new mortgage term, such as a 30 years or 15 years.  Refinancing permits the borrower to modify the interest rate and/or loan term, resulting in a new mortgage that pays off the current one.

The purpose of a rate and term refinance is to obtain better loan terms by replacing the existing loan with a new mortgage agreement with more favorable numbers and financing terms. This is the most prevalent form of refinancing.

Benefits of Refinancing Your Current Tennessee Mortgage

Refinancing a mortgage can offer numerous advantages. Here is a summary of the advantages of mortgage refinancing:

  • Lower Interest Rate: Refinancing can help you obtain a mortgage with a lower interest rate, resulting in lower monthly payments. This can yield significant savings over the loan’s lifetime.
  • Refinancing with the same term as the original mortgage or extending the payoff date can result in reduced monthly payments.
  • Refinancing to a shorter mortgage term (e.g., from 30 to 15 years) can help you pay off your home debt more quickly.
  • Refinancing can reduce your mortgage rate, allowing you to create equity in your property more quickly.
  • Refinancing can enable you to consolidate debt from different sources, making it easier to manage your finances.
It is essential to examine the fees associated with refinancing and evaluate if it makes sense for your financial circumstances, as refinancing is not always advantageous.

REFINANCING YOUR Tennessee HOME... WE CAN MAKE IT WORK FOR YOU

When the time comes, refinancing is an excellent method to use your home as a financial asset. To save money in the long run, you can change your loan term, receive a better interest rate, and switch loan types. Alternatively, cash out your home equity and use the money as needed.
Capital Home Mortgage Tennessee can help residents who qualify modify their rates and loan terms.  Call today (615) 549-6555 to talk to one of our Tennessee Refinance Loan Officers.

Tennessee VA refinance Home Loan

Tennessee IRRRL Refinance Mortgage

Proudly Serving Active Duty, Retired and Disabled Veterans to Save Money.  Call today to speak to a VA loan officer.

VA Streamline Refinance

  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification

VA Standard Refinance

  • Cash-Out or Loan Conversion
  • Full Documentation
  • Appraisal Required
  • Income Verification Required

Tennessee FHA Refinance home Loan

Tennessee FHA Refinance Mortgage

FHA 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 Conventional Refinance Loan

Tennessee Conventional Refinance Mortgage

Conventional Refinance Loans are used for more refinances than any other type of mortgage loan. This is due to Conventional loans allowing for all occupancy and property types and typically don’t require any mortgage insurance due to loan to value requirements. Conventional mortgages due require higher 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 Native American Refinance Loan

Tennessee Native American Refinance Home Mortgage

HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.

Cash-Out or Renovation

  • Appraisal Required
  • 97.75% Max LTV for Rehab
  • 85% Max LTV for Cash-out
  • County Loan Limits Apply

Streamline Refinance

  • HUD 184 to HUD 184
  • No Income Qualification
  • No Appraisal Required
  • No Mortgage Lates in Last Year

Tennessee USDA Refinance home Loan

Tennessee USDA Refinance Mortgage

USDA Loans Can only be USDA to USDA, meaning you must have a current USDA loan to refinance the loan either as a rate and term or cash-out or renovation.

USDA Non Streamlined

  • Appraisal / Income Documents 
  • Max LTV Equal to Appraisal
  • Closing Costs Can Be Rolled In
  • County Loan Limits Apply

USDA Streamline Refinance

  • No Appraisal / Income Docs Required
  • Closing Costs Can Be Rolled In
  • No Lates on Mortgage in Last Year
  • Payment Must Drop on Fixed Rates

Tennessee Reverse Mortgage Refinance

Tennessee Reverse Refinance Home Mortgage

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
  • 62 Years or Older
  • Required Hud Counseling
  • Homeowners Insurance Required
  • Must Continue to Pay Taxes
  • Meet Required Equity Values

Tennessee REfinance 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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