Capital Home Mortgage Texas

Texas Home Loans

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Texas Mortgage Lender

Texas Home Loan Programs

 Suppose you are interested in settling in Texas, whether in metropolitan, suburban, or rural districts. In that case, you’re probably already looking for feasible 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 Mortgage Loans

Conventional mortgages are the usual loans that lenders offer. Unlike government-insured loans, the federal government doesn’t guarantee them if a borrower defaults on the payment. Applicants for conventional loans must adhere to the rigorous standards for loan processing. Government-insured mortgages, however, have less stringent qualifications to accommodate people with minimal incomes.

  • 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.

  •  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.

  •  USDA Loan

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

  • 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.

  • 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

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 is Choosing Capital Home Mortgage...
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Control of the Loan from the Application to Funding.

Great Texas Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

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7  Day a Week Support from Application to Final Mortgage Payment. 

Texas Mortgage Rates

Texas Mortgage Loans

Texas Home Purchase

Buying a Texas Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Texas Renovation Home Loans

Texas Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Texas FHA Home Loans

1st Time Texas Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Texas VA Home Loans

100% Loans for Texas Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Texas Conventional Home Loans

Flexibility for Texas Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Texas Jumbo Home Loans

Great Texas Rates

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

Texas USDA Home Loans

Texas Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Texas Native American Loans

Texas HUD 184 Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Texas Manufactured Home Loans

Texas Mobile Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Texas Reverse Mortgages

Your Texas Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Texas Mortgage Refinance

Texas Cash-out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Texas Non Qualified Mortgage

Making Texas Mortgages Possible

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

Texas Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Loan Officer
NMLS 882260

Kelly Cameron

Loan Officer
NMLS 178093

Dale Gremillion

Managing Director
NMLS 210325

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