Capital Home Mortgage College Station

College Station Home Purchase Loans

College Station Home Purchase Mortgage Lender

College Station Home Purchase Loans

Capital Property Mortgage can help you purchase a house in the College Station area. Homebuyers can select the home loan program suitable for their income and level of financial responsibility, thanks to our variety of mortgage solutions. Our College Station Mortgage Consultants will assist you in locating the loan program that meets your needs.

Home Purchase Loan Programs

  • FHA Home Loans

Borrowers unable to meet the significant conditions for conventional loans are the target audience for FHA home loans. FHA loans are available to applicants with credit scores as low as 500, which is beneficial if you have a marginal credit score.

  • VA Home Loans

Veterans and active-duty service members are eligible for additional benefits from the VA, including access to VA home loans. The standards for a VA loan are among the most lenient of any home loan program; the other program with the most lenient requirements is for Native American borrowers. VA loans don’t demand down payments and insurance, unlike FHA loans.

  • USDA-Guaranteed Home Loans

A primary residence that is adequate, modest, decent, safe, and hygienic for a family of four or less located in a suitable rural area may be purchased with the help of the Section 502 Guaranteed Loan Program through participating lenders. Financing of up to $200,000 is available for qualified borrowers to acquire, construct, remodel, repair, or relocate a primary residence located in a rural zone. Eligible rural homebuyers can obtain 100% loans with no down payment through this scheme, which guarantees 90% of the loan amount to the lender.

  • Conventional Home Loans

Applicants for conventional loans who have significant cash reserves and high credit ratings should have a decent chance of being approved. Those with high credit scores are ideal candidates for this type of loan because they are eligible for more favorable interest rates. If you want to avoid paying for mortgage insurance, you will need to have a down payment of at least 20% of the total loan amount.

  • Renovation Home Loans

You can obtain a loan to improve the house you own. However, a loan for renovations can also be used to purchase an older home requiring extensive remodeling. Home improvement loans can be helpful for little to substantial renovations and might be a more cost-effective option for purchasing an entirely new residence.

  • Non-Qualified Mortgage

A non-qualified mortgage, also known as a non-QM, is a type of house loan that does not have to comply with the documentation standards established by an agency. These standards are detailed by the Consumer Financial Protection Bureau (CFPB). Home loans with terms longer than 30 years are one example of the kinds of mortgages that can fall under non-qualified mortgages (Non-QM loans).

  • Jumbo Home Loans

If you want to buy a luxurious house, you will need more than conventional loans to work for you because they need to be compatible with the purchase. Instead, you should consider applying for a jumbo loan because this type of loan is the only one that will finance high-value residences.

Apply For A Home Purchase Loan in College Station

Capital Home Mortgage is a College Station direct mortgage lender. We are dedicated to providing excellent client service at all times, and we look forward to providing your next home purchase loan. To speak with one of our loan officers, please call (979) 393-0049.

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

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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

College Station Home Purchase Loans

College Station Fixed Rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

College Station Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Home Purchase Program Lender

College Station Fixed Rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

College Station Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Not Sure? Learn More About Other College Station Purchase Programs
College Station Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

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