Capital Home Mortgage Abilene

Abilene Home Loans

Know Your Buying Power
Have Questions?
Cash-Out or Save Today

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 numerous benefits make it all worthwhile. Still, a reasonable mortgage does not come by chance. It would be best if you put in the work to deserve one. 

How To Boost Your Qualifications For A New Home Loan

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

  • Improve Your Credit Score

A higher credit score means you’re more likely to be approved for a better loan. Your FICO score, which measures your propensity to repay debt, is between 300 and 850. Anything less than 620 is a low score. The average 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 of improving your credit score is to repay as many debts as possible. 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, don’t forget to request your credit report. This will help you identify and correct any errors in your credit history so that 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 per month and pay $2,000 per month in debts, 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 when you can.

  • 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 a lot of 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, as well as a stress-free home-buying experience. 

Please work with us and see for yourself why we’re one of 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.

Great Abilene 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

Call Now to Speak with a Loan Officer or Request a no Obligation Rate Quote

Abilene Mortgage Loans

Abilene Home Purchase

Buying an Abilene Home?

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

Abilene Renovation Home Loans

Abilene Rehab Loans

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

Abilene FHA Home Loans

1st Time Abilene Homebuyers

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

Abilene VA Home Loans

100% Loans for Abilene Veterans

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

Abilene Conventional Home Loans

Flexibility for Abilene Buyers

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

Abilene Jumbo Home Loans

Great Abilene Rates

  • Primary Residence and 2nd Homes
  • Higher Loan 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 Allowed
  • Closing Costs Can Be Rolled In

Abilene Native American Loans

Abilene HUD 184 Loans

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

Abilene Manufactured Home Loans

Abilene Mobile Homes

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

Abilene Reverse Mortgages

Your Abilene Home at Work!

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

Abilene Mortgage Refinance

Abilene Cash-Out or Rate and Term

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

Abilene Non Qualified Mortgage

Making Abilene Mortgages Possible

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

Abilene Texas Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Kelly Cameron

Loan Officer
NMLS 178093

Kelvin Thompson

Loan Officer
NMLS 2050042

Jonathon Cummins

Loan Officer
NMLS 270657

Abilene 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