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 is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Corpus Christi Rates / Low Fees

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 Home Purchase Loans

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.

Home Purchase Program Lender

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.

Not Sure? Learn More About Other Corpus Christi Purchase Programs
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 Company Reviews

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