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Home Loans In College Station, TX

College Station is a city in Brazos County, 83 miles northwest of Houston. College Station and Bryan together make up the Bryan-College Station metropolitan area, the 13th-largest metropolitan area in Texas. 

The College Station housing market is competitive. The average price of a home is $251,000, with many homes getting multiple offers. The average homes sell for about 1% below list price and go pending in around 9 days.

Welcome to Capital Home Mortgage – College Station. Owning a home has long been associated with the American Dream. It does not come as a surprise that most people strive to make this dream a reality.

Still, there’s no denying that while buying a home is an excellent investment, it is a huge decision that can have an enormous impact on your financial future. That being said, it only makes sense to learn as much as you can about the process and what it entails.

Where Do I Begin When Purchasing My First Home?

It’s an excellent idea to prequalify for a home loan before you begin house hunting. Pre-qualification enables you to determine which properties are within your price range before starting your search. 

To pre-qualify, you will need to provide your loan officer with certain financial information. After analyzing your data, your loan officer will then give you an estimate of the mortgage amount you should be able to afford.

How Do I Know How Much I Can Afford?

Monthly mortgage payments typically include the principal, interest, real estate taxes, and homeowner’s insurance. It may also have HOA dues and private mortgage insurance (PMI) if you put less than 20% upfront.

However, how much you can afford will mostly rely on interest rates at the time of purchase and the amount of money you have available for a down payment.

Ideally, your monthly housing payments should be approximately 36% of your overall monthly income before taxes. Moreover, your overall debt (your existing debts, plus mortgage payments) should not exceed 45% of your household income before taxes.

It’s also recommended to include any additional expenses such as utilities, maintenance, and credit card bills when trying to develop a realistic figure of what you can afford.

Are There Any Advantages to Buying A Property For The First Time?

Beyond property ownership, there are other advantages of purchasing a home for first-time homebuyers. 

First-time homebuyers may be entitled to low-down-payment programs or other forms of assistance. They may also be qualified to participate in certain state and municipal governments’ Mortgage Credit Certificate Programs, which allows for up to a $2,000 annual federal income tax credit.

What Factors Should I Consider Before Purchasing A Home?

There are a few things you should do before buying a home. It’s critical to evaluate your credit history, determine how much debt you have, and obtain all pertinent documentation for the mortgage application. Additionally, you must begin saving money for the down payment and closing costs as early as possible.

We also advise conducting your research before meeting with a realtor or viewing any homes. This enables you to familiarize yourself with surrounding school districts, transportation routes, and other local resources and ensure that you are searching for a home in a location that fulfills all of your requirements.

Am I Receiving A Good Deal on My Mortgage?

Lenders provide a range of home financing choices and will work with you to determine the best option for you. While loan rates vary little between companies, loan terms, prepayment alternatives, and processing costs can vary from one lender to another. These differences in the loan structure and fees can result in significant savings.

Some mortgages are available for terms ranging from 15 to 30 years. Other terms may be available. Your monthly payment will vary according to the term. The shorter the period, the less you pay for the property but expect higher monthly payments. Your loan officer can assist you in determining the best terms and options for you.

College Station, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage company. We specialize in home purchase loans and refinancing, not just in Texas but across the country. Whether you are interested in a conventional home loan or government-backed mortgages such as the FHA or VA loan, we can help you realize your dream of homeownership.

Your Mortgage Made Easier

We know that acquiring a house is the most significant financial decision most people will make in their lifetime, which is why Capital Home Mortgage is committed to providing dedicated points of contact throughout the financing process. This allows our clients a seamless home loan experience with minimal delays and on-time closing. After all, purchasing a home should be an exciting milestone, not stressful.

Contact Capital Home Mortgage today at 979-393-0049 to explore your mortgage loan alternatives and determine which lending program is the most excellent fit for your financial situation.

Thank you again for your interest in our services, and we look forward to providing you next College Station Mortgage Loan.

Why College Station is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great College Station Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

College Station Customer Service

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

College Station Mortgage Rates

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

College Station Mortgage Loans

College Station Home Purchase

Buying a College Station Home?

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

College Station Renovation Home Loans

College Station Rehab Loans

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

College Station FHA Home Loans

1st Time College Station Homebuyers

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

College Station VA Home Loans

100% Loans for College Station Veterans

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

College Station Conventional Home Loans

Flexibility for College Station Buyers

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

College Station Jumbo Home Loans

Great College Station Rates

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

College Station USDA Home Loans

College Station Rural Properties

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

College Station Native American Loans

College Station HUD 184 Loans

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

College Station Manufactured Home Loans

College Station Mobile Homes

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

College Station Reverse Mortgages

Your College Station Home at Work!

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

College Station Mortgage Refinance

College Station Cash-Out or Rate and Term

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

College Station Non Qualified Mortgage

Making College Station Mortgages Possible

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

College Station 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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