Capital Home Mortgage Abilene

Abilene Home Loans

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Abilene Mortgage Lender

Home Loans In Abilene, Texas

Abilene is a city in Texas with a population of 123,182 at the 2020 census, making it the 27th-most populous city in Texas. The housing market in Abilene is somewhat competitive, scoring 63 out of 100. The average house price in 2021 was $220,000, up 17% compared to the prior year.

Purchasing a home is a significant accomplishment. The benefits make it worthwhile. A reasonable mortgage does not come by chance. It would be best if you put in the effort to deserve it. 

How To Boost Your Qualifications For A New Home Loan

These simple tips will increase your chances of finding an affordable mortgage that meets your needs and ensures you get the best deal possible when financing your home payments.

  • Improve Your Credit Score

Your FICO score, which measures your propensity to repay debt, is between 300 and 850. Anything less than 620 is a low score. The FICO score is between 640 and 680, while anything more significant is deemed excellent. Aim for a score of 750-850 for the best results.

The most straightforward way to improve your credit score is to repay debts. You can apply your tax refund toward your mortgage or refinance your credit card debt with a personal loan to improve your credit score. Also, request your credit report. This will help you identify and correct errors in your credit history so you can raise your score faster.

  • Reduce Your Debt-to-Income Ratio 

One of the best methods of improving your attractiveness to lenders is to reduce your debt-to-income (DTI) ratio. You can calculate your DTI by dividing your monthly debt payments by your monthly income. For instance, if you earn $4,000 monthly and pay $2,000 monthly in debt, your DTI is 50%. 

Lenders generally prefer a DTI of 43% or less. You can reduce your DTI by repaying debts and increasing your total income.

  • Save As Much As Possible

Having enough funds to close on your home loan is a precondition to getting approved for a mortgage. Besides having enough funds to close, you should also show a health reserve. The more reserve you have, the higher the chance of getting approved.

Abilene, Texas Mortgage Lender

It can be challenging to improve your chances of securing a mortgage, but at Capital Home Mortgage, we have a team of experts who know the ins and outs of the mortgage process. We’ve helped many people get into their ideal houses, and we’re eager to help you, too.

Why Choose Us

Capital Home Mortgage offers a wide range of mortgage products, including FHA, VA, USDA, conforming conventional, jumbo, and non-qualified mortgage loans.

As a direct mortgage lender, we have complete authority over the lending process. Our simplified workflow allows us to provide our clients with competitive rates, fair fees, and a stress-free home-buying experience. 

Please work with us and see why we’re among the best in the industry! Thank you again for your interest in our services, and we look forward to providing your next Abilene mortgage loan. Call us at 325-387-8387; you’ll be glad you did!

Why Abilene is Choosing Capital Home Mortgage...
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Abilene Great Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Abilene Customer Service

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

Abilene 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

Abilene Mortgage Loans

Abilene Home Purchase

Buying an Abilene Home?

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

Abilene Renovation Home Loans

Abilene Rehab Loans

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

Abilene FHA Home Loans

1st Time Abilene Homebuyers

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

Abilene VA Home Loans

100% Loans for Abilene Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Abilene Conventional Home Loans

Flexibility for Abilene Buyers

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

Abilene Jumbo Home Loans

Great Abilene Rates

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

Abilene USDA Home Loans

Abilene Rural Properties

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

Abilene Native American Loans

Abilene HUD 184 Loans

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

Abilene Manufactured Home Loans

Abilene Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Abilene Reverse Mortgages

Your Abilene Home at Work!

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

Abilene Mortgage Refinance

Abilene Cash-Out or Rate and Term

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

Abilene Non Qualified Mortgage

Making Abilene Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Abilene Mortgage Team

Conor Hayhurst

NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

NMLS 210325

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