Capital Home Mortgage Abilene

Abilene Home Loans

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Mortgage Lender Abilene Texas

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 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

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 Programs

Abilene Home Purchase

Thinking of Buying an Abilene 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

Abilene renovation home loans

Looking to Rehab an Abilene 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

Abilene FHA Home Loans

Great for 1st Time Abilene 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

Abilene VA Home Loans

100% Financing for Abilene 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

Abilene Conventional Home Loans

Flexibility for Abilene 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

Abilene Jumbo Home Loans

Abilene 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

Abilene USDA Home Loans

100% Rural Abilene 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

Abilene Native American Home Loans

Abilene 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

Abilene Manufactured Home Loans

Great Alternative Abilene Housing

Abilene reverse mortgages

Your Abilene 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

Abilene Non QM Home Loans

Making Abilene 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

Abilene One Time Close mortgages

Build Your Abilene 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

Abilene Refinance Mortgage Loans

Abilene 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

Abilene Cash-out Home mortgages

Abilene 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

Abilene 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

Abilene Mortgage Company Reviews

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