Capital Home Mortgage Beaumont

Beaumont Cashout Mortgage Refinance

Beaumont Cashout refinance Mortgage Lender

Beaumont Cash-Out Refinance

If you’re a homeowner in Beaumont, you can use a cash-out refinance to tap into your home equity. It can be a great way to access the cash you need for home improvements, debt consolidation, or other expenses.

With Capital Home Mortgage, you can easily take advantage of a cash-out refinance. We’ll work with you to determine if a cash-out refinance is suitable for your situation, and if so, we’ll help you get the process started. We are dedicated to giving our customers an enjoyable mortgage experience so that you may feel secure in your choice for your needs.

What Is a Beaumont Cash-Out Refinance?

A new loan called a cash-out refinance replaces your existing mortgage and gives you extra money you can use as you like. Your home’s valuation and your level of equity will determine how much more money you get.

In Beaumont, Texas, home values have increased in recent years, which means that more and more homeowners have equity built up in their homes. If you’re one of these homeowners, a cash-out refinance could be an excellent way to access some of this equity.

A cash-out refinance has the advantage of allowing you to cut your interest rates and monthly payments without having to give up any cash. In some cases, the savings could be substantial enough for free.

Furthermore, the cash you will receive from your Beaumont cash-out refinance is flexible. You can use it for anything, like home improvements and consolidating debt or investing in stocks through saving accounts that give tax benefits, such as receiving interest rates higher than what banks offer. On the other hand, what you can take out will depend on the value of your home and your built equity.

Beaumont Cash-Out Refinance Rules

To get the best cash-out refinance in Beaumont, you need to meet specific requirements set by lenders. Lender impartiality varies, but most have general standards that applicants must follow when applying for a mortgage. And at Capital Home Mortgage, we adhere to these rules as well.

First and foremost, you must have equity in your home. In most cases, we will only allow you to refinance for up to 80% of the value of your home. So if your home is worth $100,000, you’ll need at least 20% equity to qualify.

A good credit score is also required for a cash-out refinance. You must typically score 620 or higher, although it may go as low as 580. Also, remember that a higher credit score will give you a better chance of getting approved and acquiring a lower interest rate.

Lastly, it would be best to have a debt-to-income ratio of 43% or less. This means that your monthly debt payments, including your mortgage and other debts such as credit cards, student loans, and the like, should be at most 43% of your monthly income.

Apply for a Beaumont Cash-Out Refinance Today

Does a cash-out refinance in Beaumont, TX, sound like the right move for you? Capital Home Mortgage can help. We’re a leading provider of cash-out refinance loans, and we’re dedicated to helping our clients get the most out of their mortgages.

Contact us today at (409) 242-5530 to discuss your loan application with our mortgage specialists

Why Beaumont HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support Application to Final Mortgage Payment

Texas 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

Beaumont Conventional Cashout Refinance Loans

Conventional Cashout Refinance Lender
  • Primary, 2nd & Investment
  • Single & Multi Family
  • Loan to Value Restrictions
  • County Loan Limits Apply

Beaumont Jumbo Cashout Refinance Loans

Cash-Out Jumbo Mortgage Refinance Lender
  • Up to 3 Million 
  • Primary and 2nd Home
  • Max Loan to Value Limits Apply
  • Investor Approval

Beaumont Reverse Cashout Refinance Loans

Cash-Out Reverse Mortgage Refinance Lender
  • Primary Residence
  • Equity Based Qualifying
  • Credit Scores N/A
  • Minimum Age 62
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan 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 Manufactured Home Loans

Great Alternative Texas Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.

  • Existing Purchase or Refinance
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

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

Beaumont TExas Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

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Beaumont Mortgage Company Reviews

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