Capital Home Mortgage Amarillo

Amarillo Home Loans

Home Purchase
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Mortgage Lender AMARILLO Texas

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 Amarillo 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 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 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Amarillo Mortgage Programs

Amarillo Home Purchase

Thinking of Buying an Amarillo 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

Amarillo renovation home loans

Looking to Rehab an Amarillo 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

Amarillo FHA Home Loans

Great for 1st Time Amarillo 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

Amarillo VA Home Loans

100% Financing for Amarillo 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

Amarillo Conventional Home Loans

Flexibility for Amarillo 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

Amarillo Jumbo Home Loans

Amarillo 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

Amarillo USDA Home Loans

100% Rural Amarillo 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

Amarillo Native American Home Loans

Amarillo 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

Amarillo Manufactured Home Loans

Great Alternative Amarillo Housing

Amarillo reverse mortgages

Your Amarillo 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

Amarillo Non QM Home Loans

Making Amarillo 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

Amarillo One Time Close Home Loans

Build Your Amarillo 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

Amarillo Refinance Mortgage Loans

Amarillo 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

Amarillo Cash-out Home mortgages

Amarillo 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

Amarillo Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Amarillo Mortgage Company Reviews

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