Capital Home Mortgage Nashville

Nashville USDA Home Loans

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Nashville USDA Mortgage Lender

Capital Home Mortgage Nashville extends a warm welcome to prospective homebuyers and current homeowners in rural Nashville. Our mission is to offer USDA Home Loans with competitive mortgage rates and minimal fees, all while ensuring exceptional customer service.

We would like to express our gratitude for the opportunity to earn your business. We recognize that acquiring a rural home presents unique challenges and concerns. Therefore, Capital Home Mortgage Nashville provides dedicated USDA Loan officers as your primary contacts to ensure a seamless experience leading to a timely closing. Ultimately, the process of purchasing your rural dream home should be a source of excitement.

Capital Home Mortgage Nashville is a direct Nashville USDA Mortgage Lender that manages the entire lending process. Our in-house processing and underwriting enable quick, common-sense approvals, which then move quickly through the final USDA approval. As a direct Nashville USDA lender, we have complete control over everything from the application to the funding.

Call today (615) 549-5666 to speak to a Nashville USDA Home Loan Team.

Nashville USDA Mortgage Rates

Nashville usdA Home Mortgage Loans

Nashville USDA Home Loans are specifically designed for individuals purchasing residences in rural areas of Nashville. These loans offer 100% financing with no down payment required, featuring competitive interest rates and no restrictions on seller concessions. The term USDA refers to the “United States Department of Agriculture,” which oversees various rural housing initiatives. The primary objective of the Nashville USDA Home Loan program is to facilitate affordable homeownership for Nashville residents in rural communities, minimizing upfront financial burdens.

Understanding the offerings of the USDA is crucial, as it provides two distinct types of loans. The first is a USDA direct loan, which is underwritten and financed by the USDA, specifically designed for buyers with very low incomes. The second type is the USDA-guaranteed loan, which serves to protect lenders against potential losses in the case of foreclosure. Essentially, the USDA insures a segment of the loan, often linked to the down payment. This guarantee facilitates the availability of a 100% mortgage loan, thereby enhancing the accessibility of homeownership in smaller communities like Nashville.

The eligibility for USDA home loans is assessed based on four key criteria: the applicant’s credit score, their monthly income, existing monthly debt obligations, and the geographical location of the property in question.

Please use the links to access the USDA eligibility website to find out if you meet the income requirements or if the property is eligible. Call today (615) 549-5666 to speak to a Nashville USDA Loan Officer.

Nashville USDA Mortgage Loans

USDA Loans are a great option for Nashville families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Guaranteed by US Depart of Agriculture
  • Rural Properties Only
  • 100% Financing
  • No Restrictions on Seller Concessions
  • Low Monthly Mortgage Insurance
  • Acreage Up to 30% of Total Value
  • FHA/USDA Certified Appraisers only
  • Guarantee Fee May be Rolled In
  • New Manufactured Home Only

Nashville Rural Real Estate Market

The rural real estate market in Nashville presents a wide array of opportunities and features that attract different categories of buyers, such as individuals looking for tranquil country living, agricultural plots, recreational properties, or investment prospects.

The rural regions surrounding Nashville are characterized by their picturesque landscapes, rich natural resources, and diverse topography, featuring undulating hills, agricultural lands, woodlands, and waterways. These qualities attract individuals who desire a tranquil way of life or engage in recreational pursuits such as hunting, fishing, hiking, and horseback riding.

Agriculture plays a significant role in Nashville’s rural economy. A diverse range of products, including soybeans, corn, cotton, and tobacco, are cultivated across the state. Prospective buyers interested in agricultural land may encounter opportunities to acquire farms suited for various uses, including crop production, livestock rearing, or agri-tourism ventures.

Nashville has an extensive expanse of timberland and forests, making it an appealing choice for investors interested in timber assets, sustainable forestry practices, or recreational hunting leases. Properties with timberland often present opportunities for long-term investment and can generate income through timber harvesting activities.

Rural Nashville offers many outdoor recreational opportunities, featuring hunting lodges, fishing getaways, and vacation residences near lakes, rivers, and state parks. These recreational properties attract individuals seeking an escape from urban life or a venue for outdoor activities with family and friends.

The rural areas surrounding Nashville present an excellent opportunity for equestrian enthusiasts. These areas feature properties equipped with horse-related facilities, including stables, pastures, and riding trails. These horse farms and equestrian estates cater to prospective buyers interested in activities such as horse breeding, training, boarding, or leisurely rides through the scenic countryside.

Investing in rural land in Nashville presents a compelling opportunity for individuals focused on land banking, development, or potential future value appreciation. The parcels of land available differ significantly in size and intended use, encompassing everything from modest residential lots to expansive tracts ideal for recreational, agricultural, or residential projects.

Several key factors, including geographical location, ease of access, land quality, zoning regulations, and prevailing market trends, shape Nashville’s rural real estate market. Local economic conditions, demographic expansion, and regional development trends often influence price and demand variations.

It is essential for purchasers to familiarize themselves with local zoning laws, land use policies, and conservation initiatives that may pertain to rural properties, especially in regions designated for conservation, wildlife habitat protection, or agricultural purposes.

Overall, the rural real estate market in Nashville provides diverse options for purchasers looking for a rural lifestyle, investment properties, or recreational retreats.

Why Nashville is 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 Payment

Nashville Mortgage Company Reviews

Nashville Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Amanda Ravallo

Sr Loan Officer
NMLS #1702894
Nashville Mortgage Programs

Nashville Purchase loans

Looking to Purchase a Nashville 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

Nashville Renovation Home Loans

Looking to Rehab a Nashville 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

Nashville FHA Home loans

Great 1st Time Nashville 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

Nashville va Home Loans

100% Financing for Nashville 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

Nashville Conventional Home loans

Flexibility for Nashville 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
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Terms
  • Renovation Programs Available

Nashville Jumbo Home Loans

Nashville 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

Nashville USDA Home loans

100% Nashville 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

Nashville Native american Loans

Nashville 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

Nashville Manufactured Home loans

Great Nashville 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

Nashville Reverse Mortgage Loans

Your Nashville 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

Nashville Non QM Home loans

Making Nashville 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
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Nashville One Time Close Home Loans

Build Your Nashville 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

Nashville Refinance Mortgage loans

Nashville 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

Nashville Cashout Mortgage Loans

Nashville 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

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