Capital Home Mortgage Texas

Texas Home Loans

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Home Loans In Texas

Suppose you are interested in settling in Texas, whether in metropolitan, suburban, or rural districts. In that case, you’re probably already looking for Texas mortgage options to finance the house of your dreams. The great thing is that finance and lending institutions offer a good variety of Texas home mortgages, so you don’t have to worry so much about the chances of qualifying.

Types of Texas Mortgage Loans

Conventional mortgages are the usual loans that lenders offer, but adhere to more rigorous standards for underwriting the loan. Government-insured mortgages, however, have less stringent qualifications to accommodate people with lower credit scores and minimal incomes.

  • Texas FHA Loan

One of the more popular loans among first-time homebuyers, the FHA loan, backed by the U.S Department of Housing and Urban Development, only requires a credit score of 580 and a 3.5% down payment.

  •  Texas VA Loan

A loan guaranteed by the U.S Department of Veterans Affairs is designed for the military on active service, veterans, and their spouses. Most VA loans do not have any credit score or down payment requirements.

  •  Texas USDA Loan

The U.S Department of Agriculture offers USDA-Guaranteed home loans with low-interest rates for eligible properties in rural and suburban areas.

  • Texas Conventional-Conforming Loan

A conventional loan is any mortgage loan not insured or guaranteed by the government (such as under the Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). Conventional loans can be conforming or non-conforming.

Mortgages considered “conforming” have satisfied the requirements set forth by Fannie Mae and Freddie Mac. Following completion of the underwriting and funding processes, conforming lenders then sell the loans to investors Fannie Mae and Freddie Mac. After being packaged into securities, the loans are offered for sale to potential buyers. Conforming loans typically have lower interest rates than non-conforming loan interest rates because conforming loans.

  • Texas Non-Conforming Loans

Nonconforming mortgages are mortgages that do not adhere to the requirements of government-sponsored enterprises (GSE) such as Fannie Mae and Freddie Mac and thus cannot be sold to them. GSE standards include, among other factors, a maximum loan amount, appropriate properties, down payment requirements, and credit qualifications. 

There are more loan programs and grants in Texas besides the well-known ones mentioned here. You can consult mortgage lenders near you to better understand their programs and offers.

Before You Get A Loan

Keep in mind that applying for a mortgage needs adequate preparation. Finding the right deal will take your time, patience, and dedication. You must be personally, mentally, and financially ready for the challenge because it is no easy feat.

  • Credit Score

 Lenders put clients with good credit ratings in high regard. In the eyes of the bank or mortgage company, your credit score reflects your ability to pay on time and without delays. While plenty of mortgage loans consider clients with poor credit standing, a good credit rating will help you secure or negotiate a more economical and favorable deal with the lender.

  •  Down Payment

 Most mortgages require you to pay a percentage of the property’s purchase price upfront. For most loan options, the amount of money you put down as the initial payment significantly impacts the size of the insurance you will have to pay for later. Most mortgages require the borrowers to pay for coverage until more than 20% of the loan’s equity has been repaid.

  •  Assets

You must also set aside a sufficient amount for your future obligations. Consider the closing costs and agent fees—delegate funds for house maintenance and mortgage responsibilities.

Apply for a Home Loan with Capital Home Mortgage Texas

Capital Home Mortgage Texas is a direct Texas mortgage lender and servicer that provides a comprehensive selection of Texas mortgage products to meet any and all of its customers’ mortgage-related requirements. Our highly experienced Capital Home Mortgage Texas Team will work to find the best loan program to fit your budget and your individual needs, regardless of whether you have lived in Texas all your life or have just moved here. Whether you are looking to buy your first home, refinance your existing mortgage, or consolidate your debt, we can help.

Call us at (800) 960-4565 and get started on home ownership.

Why TEXAS 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

TExas 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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas 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, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Texas renovation home loans

Looking to Rehab a Texas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Texas FHA Home Loans

Great for 1st Time Texas 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 Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Texas VA Home Loans

100% Financing for Texas Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Texas Conventional Home Loans

Flexibility for Texas 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
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Texas Jumbo Home Loans

Texas Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Texas USDA Home Loans

100% Rural Texas 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.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Texas Native American Home Loans

Texas 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

Texas Manufactured Home Loans

Great Alternative Texas Housing

The One Time Close Manufactured Home Loan offer options to purchase your dream home on your own land. Call today to speak to a Loan Officer.

  • Purchase the Home and Land Together
  • Include the Utilities and Home Setup
  • Lock Rate at Contract
  • Variety of Loan Programs to Choose From.

Texas reverse mortgages

Your Texas 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
  • credit scores not applicable
  • Minimum age 62

Texas Non QM Home Loans

Making Texas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Texas One Time Close mortgages

Build Your Texas 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 Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Texas Refinance Mortgage Loans

Texas 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.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Texas Cash-out Home mortgages

Texas 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
  • Vacation or Education

Texas Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

Texas Mortgage Company Reviews

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

Mcallen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans

State Specific Mortgage Information

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