Capital Home Mortgage Texas

Texas Cash Out Mortgage Refinance

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Texas Cash Out Mortgage Refinance Lender

Welcome to Capital Home Mortgage Texas, where we strive to provide Texas homeowners with a Texas Cash Out Mortgage Refinance at competitive Texas Cash Out Mortgage Rates with low fees while ensuring outstanding customer service.  First, we’d like to thank you for the opportunity to earn your Texas Cash Out Refinance Loans.   We understand that refinancing is an important decision, that is why Capital Home Mortgage Texas offers dedicated refinance specialists to listen your your specific needs and go over all of the potential options.

Capital Home Mortgage Texas is a direct Texas Cash Out Refinance Mortgage Lender that manages the entire refinance process from the application to the funding Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.   Call today (800) 960-4565 to talk to one of our Texas CashOut Refinance Loan Officers.

Texas cash out refinance Loans

What is a Texas Cash Out Refinance?

A  Texas Cash Out Refinance, aka Section 50(a)(6) of the Texas constitution, is a refinancing option taken out on a primary residence that allows the borrower or homeowners in the state to access the equity in their home and use it however they see fit.  So if you own a home in Texas and have built up some equity in it, a cash out refinance could allow you to borrow against that equity to get money for things like home improvements, debt consolidation, or investing. You may also use the money to pay for significant expenses like tuition or medical bills.

Despite their similarities, do not confuse the Texas Cash Out Refinance Loan with a Home Equity Line of Credit (HELOC).  A Texas Cash Out Refinance Loan involves getting a new mortgage to replace your old one, with its interest rate, monthly payment, and terms.  Meanwhile, with a HELOC, if you already have a mortgage, the HELOC functions as a second loan that uses your home equity as collateral.

Texas Cash Out Refinance Eligibility and Requirements

To qualify for a cash-out refinance, borrowers must meet basic eligibility requirements from their lender.  While every lender is different, there are general guidelines that most will follow.

  • Credit Rating: Texas Cash Out Refinance loans generally require a minimum credit score of 620. It is advisable to score higher, but it can also go as low as 580.
  • Equity Requirements:  For Texas Cash Out Refinance Loans, borrowers must have at least 20% equity in their home.
  • Debt-to-Income Ratio: As a borrower, you should also have a debt-to-income (DTI) ratio of 43% or less. This includes all your monthly debts, including your mortgage, car, student loans, credit card payments, and any other recurring debts you might have.

Should You Get a Texas Cash Out Refinance?

Within a single loan, a Texas Cash Out Refinance offers two solutions:

  • Replacing your current mortgage with a new one that offers the possibility to pay less in interest, monthly payments, or both.
  • Getting a one-time payment borrowed against the equity in your property that you can use however you want.

If you are considering a Cash -Out Mortgage Loan in Texas and need these two benefits, then a Texas Cash Out Refinance could be the right solution.

Apply for a Cashout Refinance in Texas with Capital Home Mortgage Texas...

At Capital Home Mortgage, we understand that your home is your most important asset. We want to help make it work for you, which is why we offer Texas cash-out refinance loans. We have years of experience helping homeowners in the Lone Star State get the best refinancing deals possible, and we can do the same for you.  Plus, as a direct lender, our process is straightforward – so you can rest assured that you’ll have our professional assistance every step of the way. Call today (800) 960-4565 to take advantage of Texas cash-out refinance opportunities!

Texas FHA Cash out Mortgage Refinance

Texas FHA Cash Out Home Loan Refinance
  • Appraisal Required
  • Primary Residents Only
  • Max Loan to Value Limits Apply
  • County Loan Limits Apply

Texas VA Cash out Mortgage Refinance

Texas VA Cash Out Home Loan Refinance
  • Appraisal Required
  • Primary Residence Only
  • Max Loan to Value Limits Apply
  • Max Loan Limits Apply

Texas Conventional Cash out Mortgage Refinance

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

Texas Jumbo Cash out Mortgage Refinance

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

Texas Native American Cash out Mortgage Refinance

Cash-Out Native American Mortgage Refinance Lender
  • Appraisal Required
  • Max LTV Cash-out Limits Apply
  • State & County Restriction
  • County Loan Limits 

Texas Reverse Cash out Mortgage Refinance

Texas Reverse Cash Out Home Loan Refinance
  • Primary Residence
  • Equity Based Qualifying
  • Credit Scores N/A
  • Minimum Age 62

Texas Cash Out 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
Why Texas 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

Texas Mortgage Company Reviews

Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Texas Mortgage Programs

Texas Purchase loans

Looking to Purchase 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, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

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 a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Texas FHA Home loans

Great 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 Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Texas va Home Loans

100% Financing for Texas Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • 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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Texas Jumbo Home Loans

Texas Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Texas USDA Home loans

100% Texas Rural 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.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

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
  • Purchase, Refinance, and Renovation

Texas Manufactured Home loans

Great Texas Alternative 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
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Texas Reverse Mortgage Loans

Your Home Texas 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
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

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, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Texas One Time Close Home Loans

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 Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

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.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Texas Cashout Mortgage Loans

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
  • Dream Vacation
  • Higher Education

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

Mcallen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans

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