Capital Home Mortgage Beaumont

Beaumont Conventional Home Loans

Beaumont Conventional Mortgage Lender

Beaumont Home Purchase Loans

Buying a home in Beaumont can be possible with the right home purchase loan. Mortgages come in different kinds and features. Sometimes, the mortgage you need depends on the property you buy. At Capital Home Mortgage, we offer different types of mortgage products. Reach out to our home mortgage specialists in Beaumont to learn more about how we can help you become a bonafide Beaumont homeowner.  Below are the types of home purchase loans in Beaumont, TX, that we offer.
  • Rate & Term Refinance

Once you get enough equity in your home, apply for a rate and term refinance to get better mortgage terms. You can use this to lower interest rates or shift to a longer loan term.
  • Cash-out Refinance

You can go for cash-out refinancing if you want to get a better mortgage term plus extra cash for other purposes. A cash-out refinance is ideal if you need extra money without incurring a separate loan.
  • Conventional Loans

Getting a Beaumont conventional loan can be highly beneficial if you have a good credit history and enough down payment. Borrowers with good financial backgrounds can get low-interest rates and flexible terms on a conventional loan. We highly recommend checking out conventional loans before exploring other alternatives.
  • FHA Home Loans

Conventional loans can be challenging if you have a bad credit score and history. You may still be able to buy your dream house in Beaumont through FHA home loans. This loan type has the federal government’s backing through the Federal Housing Administration (FHA), making it accessible to most Americans.
  • Jumbo Home Loans

Loans often have limits depending on the house size and area. If you want to buy a home beyond the current conforming limits, you’ll need to get a Jumbo loan instead of a conventional one. However, the application requirements can be stricter with Jumbo loans because of the significantly higher amounts and the fact that the government does not back them.  
  • Manufactured Home Loans

If you’re looking for a cheaper alternative to constructed homes, manufactured homes are more affordable and more accessible to finance with a manufactured home loan. We offer a one-time close construction at Capital Home Mortgage for this type of home purchase.
  • Native American Home Loans

Members of Native American tribes can get this kind of loan to make homeownership more straightforward and faster. Capital Home Mortgage is an accredited lender for this type of loan. Contact our Beaumont loan experts to learn more about this program.
  • Non-qualified Mortgages

If you can’t tick all the requirements of a conventional loan, we can offer a non-QM loan to give you more flexibility and opportunity to access financing. To set your expectations, non-QM loans can be expensive because it’s risky for lenders.
  • Renovation Home Loans

Renovations can be costly, but you can finance them through a home renovation loan. Capital Home Mortgage has covered you, whether for a small or significant renovation.
  • Reverse Mortgage

For applicants aged 62 and above, you can enjoy the value of your home through a reverse mortgage. This mortgage program can provide additional funds for retirement.
  • VA Home Loans

US military members who have met service requirements get a VA home loan without a down payment or credit score. If you’re a veteran or current service member, contact us to get started.

Apply for a Home Purchase Loan in Beaumont

Buying a home in Beaumont is now easier with Capital Home Mortgage. Direct mortgage lending helps us provide a painless application process because we process your application directly. Call us now at (409) 242-5530 to get started. 
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 Mortgage 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 Conventional Purchase Loans

Conventional Purchase Mortgage Lender
  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • MAXIMUM LOAN AMOUNT – $766,550

Beaumont Conventional Refinance Loans

Conventional Refinance Mortgage Lender
  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates & Flexible Terms
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Beaumont Conventional Renovation Loans

Conventional Renovation Mortgage Loans
  • 95% LTV Primary  Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)
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

Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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