Capital Home Mortgage Brownsville

Brownsville Home Loans

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Mortgage Lender BROWNSVILLE Texas

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 is where Texas meets both Mexico and the Gulf of Mexico. A new Texas Real Estate Research Center report 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’ll likely 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 the best option if you have a good credit score and the means to make a significant down payment. 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.   

A jumbo loan is your best option if you need to borrow money that exceeds the current conforming loan restrictions. 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 shopping for the best terms that fit your financial situation is critical. You have numerous options, 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 products, including FHA, VA, USDA, conforming conventional, jumbo, and non-qualified mortgage loans.

We are a direct Brownsville mortgage lender, which means we ultimately control 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 people will make in their lives, which is why Capital Home Mortgage provides dedicated contact points throughout the loan process.

We are here to assist you whether you are a first-time homebuyer looking for an FHA Home Loan, on active duty, a retired veteran needing 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 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

Brownsville 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
Brownsville Mortgage Programs

Brownsville Home Purchase

Thinking of Buying a Brownsville 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

Brownsville renovation home loans

Looking to Rehab a Brownsville 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

Brownsville FHA Home Loans

Great for 1st Time Brownsville 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

Brownsville VA Home Loans

100% Financing for Brownsville 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

Brownsville Conventional Home Loans

Flexibility for Brownsville 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

Brownsville Jumbo Home Loans

Brownsville 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

Brownsville USDA Home Loans

100% Rural Brownsville 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

Brownsville Native American Home Loans

Brownsville 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

Brownsville Manufactured Home Loans

Great Alternative Brownsville Housing

Brownsville reverse mortgages

Your Brownsville 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

Brownsville Non QM Home Loans

Making Brownsville 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

Brownsville One Time Close Home Loans

Build Your Brownsville 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

Brownsville Refinance Mortgage Loans

Brownsville 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

Brownsville Cash-out Home mortgages

Brownsville 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

Brownsville 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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