Amarillo Home Purchase lender
Amarillo Home Purchase Loans
Are you looking to purchase a home in Amarillo? Make it happen with a home purchase loan from Capital Home Mortgage. With our selection of mortgage products, homebuyers can choose the best home loan product that matches their income and ability to pay. At Capital Home Mortgage, our Amarillo mortgage experts will help you find the best mortgage product. Our lineup of home purchase loans includes:– Renovation Home Loans
You can get a loan to renovate your existing home. However, renovation loans can also be used to buy an old house that needs renovation. Renovation home loans are convenient for simple to major repairs or a cheaper alternative than buying a brand-new home.– FHA Home Loans
FHA home loans cater to borrowers who can’t tick off major conventional loan requirements. If you have a low credit score, FHA loans can accommodate applicants with scores as low as 500.– VA Home Loans
War veterans and service members get extra benefits from the VA through VA home loans. Of all home loans, the VA loan is one of the two with very liberal requirements—the other being Native American loans. VA loans don’t require down payments and insurance, unlike FHA loans.– Conventional Home Loans
Borrowers with excellent credit ratings and enough cash should do good in conventional loans. This loan type suits those with good credit scores since they can access lower interest rates. However, be prepared to put down at least 20% of the loan if you want to skip mortgage insurance.– Jumbo Home Loans
Conventional loans aren’t compatible with that purchase if you want to buy a luxurious property. Instead, you need to get a jumbo loan because it’s the only loan product that allows high-value properties.– USDA Home Loans
USDA home loans are similar to FHA loans in terms of affordability and accessibility. Americans who can’t afford homes in urbanized areas can get decent houses in rural areas with the help of USDA loans.– Native American Home Loans
Native Americans get extra assistance in obtaining home ownership through Section 184 loans. This loan provides financing access to Natives without subjecting them to strict conventional requirements.– Manufactured Home Loans
Getting a manufactured home loan is way cheaper than buying a brand-new house. We recommend this type of home for moderate income-earners, and they can get this at a one-time close construction loan.– Reverse Mortgage
Homes are significant investments, but some people don’t get to enjoy the home’s value over time. Seniors aged 62 and above can borrow against the equity in exchange for receiving payments from the lender.– Non-qualified Mortgage
Qualify for a mortgage even if you have different income sources or employment characteristics. A non-QM helps applicants like freelancers, and self-employed individuals access financing.Apply for a Home Purchase Loan Today
Capital Home Mortgage is an Amarillo direct mortgage lender. We are committed to delivering excellent client service every step of the way, and we look forward to providing your next home purchase loan. Call us at (806) 589-3428 to speak with our professional loan officers.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 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 mortgage Securities
- Property securing the mortgage
- occupancy of the property
- Loan to value of the property
- Borrower’s credit worthiness
Amarillo Home Purchase Loans
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 fixed rate Mortgage Loans
All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.
Amarillo Adjustable Rate Mortgage Loans
Adjustable Rate Mortgage Loans known as ARM’s are available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment. ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.
Texas Mortgage Programs
Texas Home Purchase
Thinking of Buying a Texas 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
Texas renovation home loans
Looking to Rehab a Texas 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
Texas FHA Home Loans
Great for 1st Time Texas 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
Texas VA Home Loans
100% Financing for Texas 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
Texas Conventional Home Loans
Flexibility for Texas 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
Texas Jumbo Home Loans
Texas 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
Texas USDA Home Loans
100% Rural Texas 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
Texas Native American Home Loans
Texas 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
Texas reverse mortgages
Your Texas 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
Texas Non QM Home Loans
Making Texas 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
Texas One Time Close mortgages
Build Your Texas 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
Texas Refinance Mortgage Loans
Texas 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
Texas Cash-out Home mortgages
Texas 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
