Capital Home Mortgage Amarillo

Amarillo Home Loans

Home Purchase
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Amarillo Mortgage Lender

Home Loans In Amarillo, Texas

Welcome to Capital Home Mortgage Amarillo. First, thank you for the opportunity to earn your mortgage business. We understand that purchasing a home is the most significant decision in most people’s lives and why Capital Home Mortgage provides dedicated points of contact throughout the entire loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing.

Have you been itching to move recently? Whether you’ve outgrown your current space or are simply looking for a change of scenery, now is an excellent time to buy a home in Amarillo, TX.

With interest rates remaining near-record lows and the pandemic drawing close, many people are in the market for homes and investment properties.

Step By Step Guide to Buying A Home

Purchasing a home is complicated and involves numerous moving parts. This guide — combined with the expertise of your real estate agent and mortgage lender — can assist you in navigating the process smoothly.  

By conducting due diligence in advance, you’ll have higher confidence in your decision and look forward to receiving those coveted house keys on closing day.

Here’s a step-by-step guide to the home-buying process:

     1. Understand Why You Want to Buy A House.

Purchasing a home is a significant investment, so you must ask yourself repeatedly why you’re doing it and if your reasons are justifiable.  

If you’re unsure why you’re buying a house, don’t. You might end up regretting your decision sooner or later.

     2. Know Your Credit Score.

Checking your credit score will assist you in determining your financing options. Moreover, lenders use your credit score (among other things) to set the value of your loan and assess your ability to repay your mortgage. 

The better your credit history, the more likely you will be approved for financing with favorable terms and rates.

     3. Set A Budget.

Establishing a realistic budget for your new home will give you a better idea of what you can afford and the total cost of ownership.

Bear in mind that the purchase price is not the only consideration. All other expenses, like closing costs, mortgage insurance, and repair/maintenance costs, are considered.

     4. Save For The Down Payment.

To avoid paying private mortgage insurance, you must prepare a down payment of at least 20% of the home’s purchase price. 

Certain lenders offer mortgages without PMI that require lower down payments, but buyers should anticipate paying a higher interest rate.

     5. Shop For Mortgages/Lenders.

Preapproval for a mortgage is beneficial when making an offer on the house, as it gives you a clearer sense of how much you can afford.

To increase your chances of obtaining a low-interest rate, shop around and get quotes from at least three lenders.

     6. Work With A Real Estate Agent.

A knowledgeable real estate agent can save you time and money by assisting you in finding your dream home and negotiating with the seller on your behalf.

     7. Make An Offer.

Once you’ve found the right property, your real estate agent will assist you in preparing the offer package. You may also include a personal letter to the seller to differentiate your offer and make it stand out.

     8. Secure Your Financing.

The financing process can take between 21 and 30 days to complete, but delays can occur when buyers fail to respond to disclosures quickly or cannot submit all required documents on time.

     9. Close On Your Home.

Once all contingencies have been satisfied and the closing agent has given the “clear to close,” it’s time to finalize the sale.

Once payment is made and all necessary paperwork is signed, the home is officially yours, and you will receive your house keys. 

Congratulations! You may now begin settling into your new residence!

Amarillo, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage company offering a broad range of mortgage products, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 Native American home loans.

As a direct mortgage lender in Amarillo, TX, we manage the loan process from beginning to end. This means that we are in charge of every decision, from application to funding. 

Capital Home Mortgage is dedicated to excellence in every aspect of our business. We provide our clients with lower costs and interest rates while delivering exceptional service tailored to our client’s individual needs and requirements.

We Make Home Loans Easy

You can trust our mortgage professionals to provide reliable, candid advice on all mortgage matters and simplify and expedite the entire process.

We’ve built a solid reputation for helping homeowners in Texas and are keen to put our expertise to work for you. Call us at (806) 589-3428.

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

Control of the Loan from the Application to Funding.

Great Amarillo Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Amarillo Customer Service

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

Amarillo 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

Amarillo Mortgage Loans

Amarillo Home Purchase

Buying an Amarillo Home?

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

Amarillo Renovation Home Loans

Amarillo Rehab Loans

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

Amarillo FHA Home Loans

1st Time Amarillo Homebuyers

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

Amarillo VA Home Loans

100% Loans for Amarillo Veterans

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

Amarillo Conventional Home Loans

Flexibility for Amarillo Buyers

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

Amarillo Jumbo Home Loans

Great Amarillo Rates

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

Amarillo USDA Home Loans

Amarillo Rural Properties

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

Amarillo Native American Loans

Amarillo HUD 184 Loans

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

Amarillo Manufactured Home Loans

Amarillo Mobile Homes

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

Amarillo Reverse Mortgages

Your Amarillo Home at Work!

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

Amarillo Mortgage Refinance

Amarillo Cash-Out or Rate and Term

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

Amarillo Non Qualified Mortgage

Making Amarillo Mortgages Possible

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

Amarillo 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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