Texas Conventional Home Loans

Texas Conventional Mortgage Lender

Welcome to Capital Home Mortgage Texas, your trusted partner in realizing the dream of homeownership. We’re committed to providing Texas homebuyers and homeowners with competitive Texas Conventional Home Loans at attractive rates, all while delivering exceptional customer service.

Whether you’re a first-time homebuyer, a seasoned investor, or looking to upgrade your current home, our Texas Conventional Mortgages offer flexible options tailored to your unique needs. We understand the significance of this decision and are dedicated to guiding you through the entire process, ensuring a smooth and stress-free experience.

As a dedicated Texas Conventional Mortgage Lender, we handle every aspect of the lending process in-house. Our streamlined approach, combined with our experienced team, allows us to provide quick, efficient approvals and timely closings. From the initial application to the final funding, we’re with you every step of the way.

Don’t hesitate to reach out to one of our knowledgeable Texas Loan Officers today at (800) 960-4565. Let’s turn your homeownership dreams into reality.

What is A Texas Conventional Loan?

Conventional home mortgages in Texas offer a flexible, well-established pathway to homeownership, making them a popular choice for many borrowers seeking competitive terms without direct government backing. These loans adhere to guidelines and loan limits set by government-sponsored enterprises like Fannie Mae and Freddie Mac. Loan limits can adjust annually and may differ based on the type of property—whether you’re purchasing a single-family home, duplex, or another multi-unit residence. For those looking to borrow above these set thresholds, jumbo loans can step in to meet more substantial financing needs.

Down payment requirements for Texas conventional loans vary widely depending on factors such as credit score, property type, and the loan amount. While it’s common for buyers to put down anywhere from 5% to 20%, first-time homebuyers have options with as little as 3% down. However, it’s important to note that these loans generally require a stronger credit profile than government-insured programs like FHA loans. Borrowers with higher credit scores typically unlock more favorable interest rates and terms, potentially resulting in long-term savings.

When a down payment is less than 20%, lenders typically require private mortgage insurance (PMI). This added layer of protection can be removed once you’ve built enough home equity—often when the loan-to-value ratio falls below 80%. Other key qualifying factors include your debt-to-income ratio, which helps determine your ability to comfortably manage monthly payments. Maintaining a lower ratio can improve your chances of approval and possibly lead to more advantageous pricing.

Interest rates on conventional loans in Texas are influenced by a combination of market conditions and individual borrower characteristics. A solid credit profile, stable income, and manageable debt load can result in a lower interest rate, keeping your monthly payments in check. Before finalizing your loan, an appraisal is typically conducted to ensure that the home’s value aligns with the loan amount, providing peace of mind for both you and the lender.

Texas conventional loans come in a variety of term lengths and structures, including popular 30-year and 15-year fixed-rate mortgages, as well as adjustable-rate options. This flexibility allows you to select a repayment plan that aligns with your financial goals, whether you prefer predictable monthly payments over the long term or a shorter path to full homeownership. Ultimately, conventional financing in Texas is about choice, stability, and opportunity—helping you craft a mortgage strategy that supports not only your home purchase but also your long-term financial well-being.

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

Even with fluctuating mortgage interest rates, now is an excellent time to turn your homeownership dreams into reality. A Texas Conventional Home Loan from Capital Home Mortgage Texas can help you finance your dream home. Contact us today to speak with a dedicated loan officer and explore the best loan program tailored to your specific needs. Call (800) 960-4565 to get started.

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 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 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

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 & 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
Amanda Ravello
Sr Loan Officer
NMLS #1702894
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
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of 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
  • 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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