Capital Home Mortgage Beaumont

Beaumont FHA home loans

Beaumont FHA Mortgage Lender

Beaumont FHA Home Loans

The Federal Housing Administration insures consumer loans through the FHA loan program to help Americans access financing amid poor credit history and low down payment capital.  Capital Home Mortgage offers FHA loan programs in Beaumont, Texas. We have an FHA loan for renovating homes, buying a brand-new residence, or upgrading your home. Please speak to our FHA loan specialists and learn more about this loan program.

Types of FHA Loans in Beaumont

There are different types of FHA loans. Each loan program suits a particular purpose. If you intend to apply for an FHA loan, it’s best to tell us immediately the purpose of the loan so that our loan specialists can help you find the perfect loan program.
  • FHA 203(b)

The FHA 203(b) is the standard FHA loan. It is like a conventional loan except that the FHA 203(b) has government backing. You can apply for this loan if you intend to buy a brand-new house. An FHA 203(b) is perfect for first-time homebuyers or individuals who don’t yet have a solid credit history. 
  • FHA 203(k)

If you need to renovate your home but don’t have enough cash, you can finance renovation costs through the FHA 203(k). This type of FHA loan has two classifications: standard and limited. Expensive renovations go to the standard FHA 203(k) because this one has no ceiling, whereas minor renovations go to the limited FHA 203(k). The limited 203(k) has a ceiling of $35,000 with no minimum amount, while the standard FHA 203(k) asks for at least $5,000.
  • EEMP Loan

The energy-efficient mortgage program (EEMP) is suitable for households who wish to switch to energy-saving measures at home. You can use an EEMP loan for energy-saving upgrades. However, this program is not a standalone mortgage. You can apply for an EEMP loan and put it on top of your FHA 203(b) loan.
  • Section 245

The Section 245 loan is popularly known as the graduated payment mortgage or GPM program. This FHA loan program doesn’t follow a fixed monthly amortization. Instead, monthly payments start small at the beginning of the mortgage. It gradually increases over time in anticipation of an increase in income.

What are the Requirements of an FHA Loan?

The Beaumont FHA loan requirements typically start with a credit score of at least 580, enough cash for a down payment, proof of income and employment (e.g., pay stubs, tax returns, employment certification), or as required by us. You can get a down payment as low as 3.5%, depending on our evaluation of your credit history.

What are the FHA Loan Limits?

Beaumont FHA loan limits for 2022 are as follows:
  • Single: $420,680
  • Duplex: $538,650
  • Triplex: $651,050
  • Four-plex: $809,150

Apply for an FHA Loan in Beaumont Today!

Capital Home Mortgage Beaumont is a direct mortgage lender. This enables us to provide a more streamlined mortgage lending process because we handle all applications directly from start to finish. Start your FHA home loan application by calling us at (409) 242-5530.
Why Beaumont 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

Beaumont 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

Beaumont FHA Home Purchase Loans

FHA Purchase Mortgage Lender
  • Simple Qualifying
  • Smaller Down Payment
  • Seller Paid Closing Costs
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed
  • Manufactured Housing OK

Beaumont FHA Refinance Home Loans

FHA Refinance Mortgage Loans

FHA Standard Refinance

  • Appraisal Required
  • 97.75% Max Loan to Value
  • Closing Costs Can Be Rolled In
  • 80% Max Loan to for Cash-out
  • Cash-out Option Available
  • County Loan Limits Apply

FHA Streamline Refinance

  • FHA to FHA
  • No Income Qualification
  • No Appraisal Required
  • Closing Costs Cannot Be Rolled In
  • No Lates on Mortgage in Last Year
  • Payment Must Drop on Fixed Rates

Beaumont FHA Renovation Home Loans

FHA 203K Mortgage Loans

FHA 203K is a great option for makes cosmetic changes to an older home.  It allows a FHA buyer to update out of date cosmetics of a home as part of purchase or refinance.  Make that old home new with a Streamline 203K renovation.

  • Purchase & Refinance Options
  • Primary Residences Only
  • Single, Multi Family & Condo’s
  • As-Is Improved Renovated Value
  • 203K Streamline
  • Less < 35K, Cosmetic Repairs Only
  • 203K Full Rehab
  • Greater > 35K, No Restrictions
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 Manufactured Home Loans

Great Alternative Texas Housing

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 Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Beaumont Mortgage Company Reviews

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