Capital Home Mortgage College Station

College Station VA Home Loans

College Station VA Mortgage Lender

College Station VA Home Loans

Veterans, active service members, and their surviving spouses can become homeowners with the help of a VA home loan. This loan provides up to 100% financing on the value of a home and can be used to purchase or repair a house or even refinance a mortgage. The program is made available through the U.S. Department of Veterans Affairs (VA), which sets the eligibility standards and guarantees the loan. However, it doesn’t offer to finance. These are provided by accredited lenders such as banks and mortgage companies. 

Benefits Of A VA Loan

As long as you meet the primary requirement of being military personnel (active or retired) or a spouse of one, you’ll find that VA home loans have some of the most generous terms compared to other home loan programs in College Station. These include:
  • 0% Down Payment 

There is no down payment on VA loans unless required by the lender or under specific circumstances.
  • Better Interest Rate

As compared to other home loan programs, VA offers better terms and interest rates than other loans from private banks, credit unions, and mortgage companies.
  • No Mortgage Insurance

VA loans do not require a mortgage insurance premium (MIP) or private mortgage insurance (PMI). It carries a guarantee fee from the Veterans Administration.
  • Closing Costs Are Usually Capped 

Closing costs for VA loans are limited and can be shouldered by the seller. 
  • No Prepayment Penalty 

Under VA loans, there is no prepayment penalty if the borrower decides to pay off the loan before maturity. Aside from these benefits, borrowers with a high debt-to-income ratio may still qualify for a VA loan, which can go as high as 62% for a fixed-rate mortgage. Credit score requirements vary from lender to lender. Contact our mortgage experts to orient you about our requirements here at Capital Home Mortgage. That said, it’s essential to remember that lenders have the right to set their minimum requirements before funding a VA loan. These requirements range from set minimum credit scores to higher or lower interest rates. 

Types of VA Loans

The main intention of VA loans is to help families of military service members to become homeowners. This is the standard home purchase loan. However, there are also other types of VA loans that you should know about. These include:
  • Purchase Loan

VA home loans are usually used to buy a new or existing home. You may be eligible for a VA-backed purchase loan if you meet all of these requirements:
  1. You can get a certificate of eligibility (COE);
  2. You meet VA guidelines and the lender’s standard requirements for credit, income, assets, and other conditions;
  3. You will live in the home you’re buying and use it as a primary residence.
  • Cash-Out Refinance

A cash-out refinance VA loan lets you borrow against your home’s equity to pay off the remaining balance and establish a new loan. The excess proceeds can be used for other purposes.
  • Interest Rate Reduction Refinance Loan (IRRRL)

Also known as VA Streamline Refinance Loans, IRRRL helps borrowers get a lower interest rate through refinancing. Borrowers can also use IRRRLs to convert adjustable-rate mortgages into fixed-rate mortgages.

Secure Your VA Home Loan In College Station

Are you a veteran dreaming of a decent house in College Station that you can call home? A VA home loan from Capital Home Mortgage can help you make it a reality. As direct mortgage lenders, we are committed to helping you get the financing you need minus the usual hassles. Let’s talk about your VA home loan needs today. Call (979) 393-0049 to speak with our expert loan officers
Why College Station HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support 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 VA Purchase Loans

VA Purchase Mortgage Lender

Proudly Serving Active Duty, Retired and Disabled Veterans obtain homeownership.  Call today to speak to a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

College Station VA Refinance

VA Refinance Mortgage Lender

Proudly Serving Active Duty, Retired and Disabled Veterans to Save Money.  Call today to speak to a VA loan officer.

  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification
  • Cash-Out or Loan Conversion
  • Full Documentation
  • Appraisal Required
  • Income Verification Required

College Station VA Eligibility

  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan 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

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 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

Texas FHA Home Loans

Great for 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 Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Texas VA Home Loans

100% Financing for Texas 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

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
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Texas Jumbo Home Loans

Texas 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

Texas USDA Home Loans

100% Rural Texas 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

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

Texas Manufactured Home Loans

Great Alternative Texas 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
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Texas reverse mortgages

Your Texas 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

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

Texas One Time Close mortgages

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 Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

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.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Texas Cash-out Home mortgages

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
  • Vacation or Education

College Station Mortgage Team

Kathy Rubin

Sr Loan Officer
NMLS 204449

Damon Embler

Sr Loan Officer
NMLS 882260

Matt Williams

Sr Loan Officer
NMLS 1945867

Dale Gremillion

Manager
NMLS 210325

College Station Mortgage Company Reviews

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