Capital Home Mortgage Corpus Christi

Corpus Christi home purchase loans

Corpus Christi Home Purchase lender

Corpus Christi Home Purchase Loans

Are you looking to buy a house in Corpus Christi? Capital Home Mortgage can provide the home purchase loan needed to close the deal. We are a direct mortgage lender providing Corpus Christi residents with a wide array of mortgage products. 

Here’s a quick look at some of our Corpus Christi home purchase loan programs. 

– FHA Loans – Best for moderate-income earners, first-time homebuyers, and those with low credit scores.

FHA loans give borrowers with less than perfect credit scores and histories a loan. This is a government-backed loan so that lenders can provide loans to applicants with credit scores as low as 500 with at least a 10% down payment.

– Renovation Loans – Best for minor and major home renovations.

A renovation loan is perfect if you want to renovate your existing home or buy an old house and renovate it. FHA and VA offer renovation loans, but conventional ones are also available.

– VA Loans – Best for military service members.

Members of the military or their surviving spouses may get VA loans instead of other loan products. This loan offers many unique benefits, such as a zero-down payment.

– Conventional Loans –   Best for those with good credit history and who can afford a high down payment.

A conventional loan doesn’t have government backing, and it is suitable for borrowers with very good to stellar credit scores and enough money for a down payment. You can access affordable conventional loans with us if you have good credentials.

– USDA Loans –  Best for buyers in rural areas.

USDA loans help low-income earners get a modest and decent dwelling as their primary residence. It can be 100% financing and is only available in some rural regions. However, income eligibility requirements exist to qualify for a USDA loan.

– Native American Loans – Best for Native Americans looking for homeownership.

Native Americans who wish to have a home can get a Native American home loan because of its exclusive perks. At Capital Home Mortgage, we have loan experts well-versed in the Section 184 Indian Home Loan Guarantee Program.

– Reverse Mortgage – Best for seniors needing additional income. 

Not a home purchase loan, but a reverse mortgage can be a great way to get money from your home equity. This program is for borrowers aged 62 years or older. Receive periodic payments from a reverse mortgage as additional cash during retirement.

– Refinancing – Best for getting lower interest rates and faster repayment.

Were you thinking of switching from adjustable to fixed-rate mortgages or skipping mortgage insurance? Once you get 20% home equity, refinance your loan for cheaper payments.

– Non-QM Mortgage –  Best for those who can’t meet conforming requirements.

Is it hard to verify the source of your income? Or did you get out of financial trouble? If so, a non-QM mortgage can be an alternative financing source for rebuilding or building credit scores.

Get a Home Loan in Corpus Christi Today

Capital Home Mortgage finances all loan applications through direct mortgage lending. This also allows us to offer competitive interest rates and low fees on your Corpus Christi home purchase loans. 

Call us at (361) 724-3166 to speak with our home loan experts

Why Corpus Christi 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

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 Home Purchase Loans

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

Corpus Christi 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.

Corpus Christi 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.

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

Corpus Christi 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

Corpus Christi Mortgage Reviews

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