Capital Home Mortgage Corpus Christi

Corpus Christi Home Loans

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Corpus Christi Mortgage Lender

Home Loans In Corpus Christi, Texas

Welcome to Capital Home Mortgage Corpus Christi. We want to thank you for the opportunity to earn your mortgage business. We understand that purchasing a home is the most significant decision in most people’s lives, which is why Capital Home Mortgage provides dedicated contact points throughout the loan process.

Are you ready to make the transition from renting to owning one? The first step is to apply for a mortgage, but how can you determine your eligibility for a home loan in advance?

Lenders look at a variety of factors when evaluating mortgage applications. Understanding these factors will help you strengthen your application and improve your chances of qualifying for the home loan product of your choice.

Essential Factors to Consider Before Applying for a Mortgage

Let’s examine the primary considerations lenders use when determining whether or not you qualify for a mortgage

The following factors play a significant part in establishing your eligibility for a home loan.

  • Your Income

Your household income is one of the first things lenders consider when evaluating your loan application. There is no minimum income requirement to purchase a home, but your lender will want to know that you have enough money to support your mortgage payment and other monthly expenses.

Generally, lenders will only recognize an income stream if it has been continuous for at least two years. Additionally, lenders will not consider your salary alone but other regular income sources such as alimony or child support payments, earnings from side hustles, commissions, Social Security payments, income from investments, etc.

  • Property Type

The type of property you wish to purchase will also affect your ability to obtain financing. That being said, primary residences are the most accessible properties to acquire to get approved for.

Lenders view primary residences as less hazardous because they understand that even if borrowers lose a source of income or incur an unexpected expenditure, they are more likely to prioritize home payments over investment properties. The majority of government-backed loans are available solely to purchase a primary dwelling.

  • Your Assets

Your lender needs enough assurance that you can continue paying your premiums in a financial emergency. This is where your assets come into play. Assets such as checking and savings accounts, deposit certificates, retirement accounts, and investments will give you more leverage during the application and qualification process.

Your lender will likely ask for documentation to verify certain types of assets, such as bank statements.

  • Your Credit Score

Your credit score is a testament to how reliable a borrower you are. A good credit score indicates that you pay your payments on time, avoid excessive debt, and keep a close eye on your expenditures. Homebuyers with high credit scores have the most financing options and the lowest interest rates.

To qualify for most loans, you’ll need a FICO® Score of at least 620 points. Suppose your credit score is less than 620. In that case, you may want to explore government-backed loans, such as an FHA loan or a VA loan, the latter only available to qualified veterans and active-duty military service members.

  • Your DTI Ratio

Mortgage lenders want to ensure that you have adequate income to pay all your monthly expenses, which might be challenging to determine solely based on your income. This is why most lenders place a premium on your debt-to-income ratio (DTI) – a percentage indicating how much of your gross monthly income is used to pay essential monthly debts.

The lower your debt-to-income ratio, the more appealing you are to lenders. Generally, most loans require a DTI ratio of 50% or below.

Corpus Christi, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage firm that offers a broad range of mortgage products at low mortgage rates, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 Native American home loans.

Capital Home Mortgage is a direct Corpus Christi lender, which means that we manage the lending process from start to finish and make all decisions, from application to funding. Our in-house processing and underwriting capabilities enable us to provide our clients with timely approvals and on-time closings at a lower cost.

Find a Home Loan that Suits You!

At Capital Home Mortgage, we aim to make home your buying experience as positive and seamless as possible.

You can rely on our skilled and experienced loan officers to provide direction, insight, and assistance to build your confidence as a homebuyer.

Contact us at (361) 724-3166 to learn more about our home loan programs or obtain a no-obligation quote. Thank you again for your interest in our services, and we look forward to providing your Corpus Christi Mortgage Loans.

Why Corpus Christi is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Corpus Christi Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Corpus Christi Customer Service

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

Corpus Christi 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

Corpus Christi Mortgage Loans

Corpus Christi Home Purchase

Buying a Corpus Christi Home?

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

Corpus Christi Renovation Home Loans

Corpus Christi Rehab Loans

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

Corpus Christi FHA Home Loans

1st Time Corpus Christi Homebuyers

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

Corpus Christi VA Home Loans

100% Loans for Corpus Christi Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Corpus Christi Conventional Home Loans

Flexibility for Corpus Christi Buyers

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

Corpus Christi Jumbo Home Loans

Great Corpus Christi Rates

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

Corpus Christi USDA Home Loans

Corpus Christi Rural Properties

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

Corpus Christi Native American Loans

Corpus Christi HUD 184 Loans

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

Corpus Christi Manufactured Home Loans

Corpus Christi Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Corpus Christi Reverse Mortgages

Your Corpus Christi Home at Work!

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

Corpus Christi Mortgage Refinance

Corpus Christi Cash-out or Rate and Term

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

Corpus Christi Non Qualified Mortgage

Making Corpus Christi Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Corpus Christi Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

Chris Erwin

Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

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