Capital Home Mortgage Texas

Texas Conventional Home Loans

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Texas Conventional Mortgage Lender

Welcome to Capital Home Mortgage Texas, where we endeavor to provide Texas homebuyers and homeowners Texas Conventional Home Loans at competitive Texas Conventional Mortgages Rates with low fess while ensuring outstanding customer service.  Whether you are a first time home buyer, looking to purchase in the city or country, a repeat buyer, or an investor a Texas Conventional Home Mortgage might be right for you.  We understand that purchasing a home is an important decision, which is why Capital Home Mortgage Texas offers dedicated points of contact throughout the mortgage process.  This assures serene experience resulting with an on-time closing.  

Capital Home Mortgage Texas is a Texas Conventional Mortgage Lender that manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.  We have complete control over everything from the application to funding.

Call today (800) 960-4565 to talk to one of our Texas Loan Officers.

What is A Texas Conventional Loan?

Conventional home mortgages in Texas, as in other parts of the United States, are loans that are not insured or guaranteed by the government. Instead, they conform to the loan limits and guidelines set by government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac. 

Texas Conventional loans have loan limits set by Fannie Mae and Freddie Mac.  These limits may change annually and can vary by the number of units in the property (e.g., single-family, duplex, etc.).  Texas borrowers looking to finance an amount above these limits might consider jumbo loans.  The down payment requirements for Texas conventional loans can vary based on factors such as credit score, loan amount, and other individual circumstances. Traditionally, a down payment of at least 5% to 20% is common, but first time buyers have lower down payment options, such as 3% down.  

Texas Conventional Mortgages generally have stricter credit score requirements compared to government-backed loans like FHA.  While specific requirements may vary, a higher credit score is often required to secure better interest rates and terms.

If the down payment is less than 20%, borrowers typically have to pay private mortgage insurance (PMI) until they reach a certain level of equity in the home. Once the loan-to-value ratio drops below 80%,  PMI can often be removed.

Texas Interest rates on conventional loans can be influenced by market conditions, the borrower’s creditworthiness, and other factors.   A borrower’s debt-to-income ratio to determine their ability to manage monthly payments.  Generally, a lower debt-to-income ratio is favorable for loan approval.

Texas Conventional loans typically require a property appraisal to ensure the home’s value aligns with the loan amount.  The appraisal helps protect both the lender and the borrower by ensuring a fair market value for the property.

Texas Conventional loans often offer various loan terms, including 30-year fixed-rate, 15-year fixed-rate, and adjustable-rate mortgages.  Borrowers can choose the term that best fits their financial goals.

Apply for a Texas Coventional Home Loan Now with Capital Home Mortgage!

Even with mortgage interest rates continuing to move, now is an excellent time to buy a home.  Financing your dream home is possible with a Texas Conventional Home Mortgage from Capital Home Mortgage Texas.  Contact us today to speak to one of our Texas Conventional Loan Officers to determine the best loan program.  Call today (800) 960-4565.

Texas Conventional Purchase Loans

Texas Conventional Purchase Mortgage

Texas Conventional Purchase Loans are one of the most popular types of loans and a great choice for many Texas homebuyers.  Texas Conventional mortgages can be used to purchase any type of occupancy. while FHA, USDA, VA and Native American Loans are restricted to primary residence only.  Texas Conventional Home mortgages are great for borrowers that have higher credit scores and typically have easier qualifying.

  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • MORTGAGE INSURANCE OPTIONS
  • LOWER RATES & FLExIXBLE TERMS
  • MAXIMUM LOAN AMOUNT – $766,550
  • HIGH BALANCE (VARIES BY COUNTY)

Texas Conventional Refinance Loans

Texas Conventional Refinance Mortgage

Texas Conventional Refinance Loans are used for more refinances than any other type of mortgage loans.  This is due to Texas Conventional Mortgage Loans allowing for all occupancy and property types and typically dont require any mortgage insurance due to loan to values.  Texas Conventional Mortgages require better credit scores but offer better rates.

  • Freddie Mac or Fannie Mae Insured
  • Primary, 2nd or Investment Homes
  • Single and Multi Family
  • Condo’s and Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates & Flexible Terms
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Texas Conventional Renovation Loans

Texas Conventional Renovation Mortgage

Want a new Texas Home?  Don’t want to purchase from a builder?  Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town?  Making your Texas dream home come true might just be updating  that older home. 

  • 95% LTV Primary  Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Texas Conventional 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 Mortgage 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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