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Brownsville Home Loans

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Brownsville Mortgage Lender

Home Loans In Brownsville, Texas

Welcome to Capital Home Mortgage Brownsville. Brownsville is a city in and the county seat of Cameron County, Texas, United States. Brownsville is the 16th largest city in the state of Texas. Located at the southernmost tip of Texas, the Brownsville metro area marks the point where Texas meets both Mexico and the Gulf of Mexico. A new report from the Texas Real Estate Research Center shows that Brownsville had a 22 percent increase in homes sold during the pandemic

Purchasing a home is a significant undertaking, so it only makes sense for homebuyers to conduct extensive research and educate themselves about the home purchasing process before taking the plunge.

3 Common Types of Mortgages

Like most people, you’re likely going to take out a loan to pay for your new home in Brownsville, TX. Before beginning the search, you’ll need to find the right type of mortgage to finance the purchase.

Here are your three primary options:

  • Conventional Loans

Conventional loans are loans not guaranteed by the federal government. They are classified as either conforming or non-conforming.

A conforming loan “conforms” to a set of Federal Housing Finance Agency (FHFA) standards, including the loan’s size. In most states, the conforming loan maximum for 2022 is $647,200; in more expensive areas, the limit is $970,800.

On the other hand, non-conforming loans do not comply with FHFA guidelines. They may be for more significant properties that exceed the conventional loan limits.

If you have a good credit score and the means to make a significant down payment, a conventional mortgage is almost always the best option. The traditional 30-year fixed-rate mortgage is the most common option for homebuyers.

  • Jumbo Loans

Jumbo mortgages are appropriately termed because they are loans that exceed the FHFA’s lending limitations. Jumbo loans are more prevalent in high-cost areas like Los Angeles, San Francisco, New York City, and Hawaii.   

If you need to borrow money that exceeds the current conforming loan restrictions, a jumbo loan is usually your best option. However, it’s important to note that because jumbo loans entail a greater risk for the lender, they typically require more extensive documentation and qualification.

  • Government-Insured Loans

The United States government does not originate mortgages, but it does play a role in assisting more Americans to become homeowners. Most government-insured mortgages are backed by three government agencies: the Federal Housing Administration (FHA loans), the United States Department of Agriculture (USDA loans), and the United States Department of Veterans Affairs (VA loans).

FHA and USDA-backed loans are excellent options if you cannot qualify for a traditional loan owing to a low credit score or a lack of down payment savings. On the other hand, VA-backed loans can be an excellent alternative for military personnel, veterans, and eligible spouses — and they often offer better terms than a commercial loan.

What’s Next? 

Now that you’ve determined the appropriate type of loan for your home purchase, it’s time to find the right mortgage lender to facilitate the transaction. Each lender is unique, and it’s critical to shop around for the best terms that fit your financial situation. Numerous options are available to you, ranging from neighborhood banks and credit unions to online-only mortgage companies.

Brownsville, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage lender offering various mortgage products, including FHA, VA, USDA, conforming conventional, jumbo, and non-qualified mortgage loans.

We are a direct Brownsville mortgage lender, which means that we are in complete control of the loan process from beginning to end. We offer our clients competitive rates, reasonable fees, and a stress-free home buying experience because of our streamlined workflow process. We are committed to providing exceptional customer service and ensuring a smooth transaction from application to close.

You Can Count on Us to Make The Mortgage Process Easier!

Purchasing a home is the most significant decision most people will make in their lives, which is why Capital Home Mortgage provides dedicated points of contact throughout the loan process.

We are here to assist you whether you are a first-time homebuyer looking for an FHA Home Loan, active duty or retired veteran in need of a VA Home Loan, or a seasoned buyer looking for a Conventional Home Loan in Brownsville, Texas. We’ll work with you to make the home buying process as convenient as possible.

Why Brownsville is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Brownsville Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Brownsville Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Brownsville Mortgage Rates

Call Now to Speak with a Loan Officer or Request a no Obligation Rate Quote

Brownsville Mortgage Loans

Brownsville Home Purchase

Buying a Brownsville Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Brownsville Renovation Home Loans

Brownsville Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Brownsville FHA Home Loans

1st Time Brownsville Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Brownsville VA Home Loans

100% Loans for Brownsville Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Brownsville Conventional Home Loans

Flexibility for Brownsville Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Brownsville Jumbo Home Loans

Great Brownsville Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Brownsville USDA Home Loans

Brownsville Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Brownsville Native American Loans

Brownsville HUD 184 Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Brownsville Manufactured Home Loans

Brownsville Mobile Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Brownsville Reverse Mortgages

Your Brownsville Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Brownsville Mortgage Refinance

Brownsville Cash-out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Brownsville Non Qualified Mortgage

Making Brownsville Mortgages Possible

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Brownsville Texas Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Kelly Cameron

Loan Officer
NMLS 178093

Kelvin Thompson

Loan Officer
NMLS 2050042

Jonathon Cummins

Loan Officer
NMLS 270657

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