Capital Home Mortgage Tennessee

Tennessee VA Home Loans

Tennessee Va Mortgage Lender

Welcome to Capital Home Mortgage Tennessee.  As a Tennessee VA Mortgage Lender, we strive to provide Tennessee Veteran homebuyers and homeowners Tennessee VA Home Loans at competitive Tennessee VA Mortgages Rates with low fees while ensuring outstanding customer service.

First, we’d like to thank you for your service and we are honored that you have given us the opportunity to earn your business.  We understand that purchasing a home with your Tennessee VA Home Loan is an important decision.  Whether you have used your VA entitlement before or this is your first time we will walk you through the VA loan process from beginning to end. Capital Home Mortgage Tennessee offers dedicated VA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing.  After all, buying a home with your VA Benefit should be exciting, you have earned it.

Capital Home Mortgage Tennessee is a Tennessee VA Mortgage Lender that manages the entire lending process.  Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.  As a direct VA endorser we have complete control over everything from the application to the funding.

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

Tennessee Military Presence

Tennessee is home to several military installations representing various branches of the United States Armed Forces. These installations play critical roles in national defense, training, and support missions.

Fort Campbell: Located on the Tennessee-Kentucky border near Clarksville, Tennessee, Fort Campbell is a major Army installation primarily known as the home of the 101st Airborne Division (Air Assault). It also hosts the 160th Special Operations Aviation Regiment (Airborne), the 5th Special Forces Group (Airborne), and other tenant units.

Arnold Air Force Base: Situated near Tullahoma, Tennessee, Arnold Air Force Base is the most advanced and largest flight simulation test facility in the world. It is operated by the Air Force Test Center and supports a wide range of aerospace testing and evaluation missions.

Naval Support Activity Mid-South (NSA Mid-South): Located near Millington, Tennessee, NSA Mid-South serves as the Navy’s Human Resources Center of Excellence and hosts various Navy, Marine Corps, Army, Air Force, and federal agencies.

McGhee Tyson Air National Guard Base: Situated near Knoxville, Tennessee, McGhee Tyson Air National Guard Base is home to the 134th Air Refueling Wing of the Tennessee Air National Guard. It supports aerial refueling missions and provides support to both state and federal missions.

Holston Army Ammunition Plant: Located near Kingsport, Tennessee, Holston AAP is a major producer of explosive materials and ammunition for the U.S. Army. It plays a crucial role in ensuring the readiness of the armed forces.

These installations contribute significantly to the local economies of their respective regions and play vital roles in national defense and security. Additionally, Tennessee is also home to various reserve and National Guard units across the state, further enhancing its military presence and contributions to the nation’s defense capabilities.

What is a Tennessee Va Home Loan?

Tennessee VA Home Loans are for active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses.  

VA stands for “Veterans Administration”, which oversees all Veteran benefits including home loans. Established in 1944 and part of the GI Bill or Rights.  VA set out to help men and women who served their country catch up to their civilian counterparts by establishing credit and building financial wealth. 

It’s important to understand that VA does not lend money, VA instead provides lenders a guarantee that covers the lender from loss in the event of foreclosures.  

In simple terms VA insures a portion of the loan that the buyer  would have normally had to put down to qualify allowing for a zero down payment. VA loans require an upfront mortgage insurance fee, which can be financed into the loan, from each borrower.  This fee supports the guarantee fund and makes the 100% VA home loan possible.  Veterans with a minimum of 10% disability are exempt from the funding fee.

Tennessee does offer specific options for Tennessee Veterans in the form of reduces property taxes according to the type of disability the Veteran has as well as the percentage of disability rating.

Tennessee VA Eligibility

The Tennessee VA Home Loan can be used for a home purchase, a streamline interest rate reduction refinance, or a cash-out refinance or mortgage conversion from another type of mortgage to a Tennessee VA mortgage.  To be eligible you must meet one of the following criteria.

  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability

Tennessee VA Purchase Loan

Tennessee VA Purchase Mortgage

Capital Home Mortgage Tennessee is proud to serve Tennessee Veterans in obtaining home ownership in Tennessee. The benefits of a Tennessee VA Home Loan Purchase are many.  Contact one of our Tennessee VA Loan Officer to discuss all the benefits and  options.  Thank you again for you service!

Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership. 

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

Tennessee VA "IRRRL" StreamLine REfinance Loan

Tennessee VA IRRRL Streamline Refinance Mortgage

Capital Home Mortgage Tennessee is proud to serve Tennessee Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan. 
Contact our Tennessee VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments.  Thank you again for you service!

Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.

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

Tennessee VA Refinance Cash Out Conversion Loan

Tennessee VA Cash Out Home Loan Refinance

Capital Home Mortgage Tennessee is proud to serve Tennessee Veterans in converting their current mortgage program over to a Tennessee VA Home Mortgage and enjoy the many benefits of a Tennessee VA home loan.  Contact our Tennessee VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments.  Thank you again for you service!

Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments. 

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

Tennessee VA 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 veterans 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

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

Chattanooga Home Loans

Clarksville Home Loans

Murfreeboro Home Loans

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