Capital Home Mortgage Corpus Christi

Corpus Christi VA Home Loans

Corpus Christi VA Mortgage Lender

Corpus Christi VA Home Loans

If you are a veteran, National Guard member, reserve, or the surviving spouse of any of the three and are looking for a home loan, consider applying for a VA home loan. Backed by the federal government through the US Veterans Affairs Department, these loans offer various perks and benefits for eligible borrowers.  Are you looking to obtain a VA home loan in Corpus Christi? Capital Home Mortgage is here for you! We know that loan applications can be stressful. We will walk you through the entire process, so you know exactly what to expect. More importantly, we finance the loans with unnecessary third-party involvements that can cause delays. 

Corpus Christi VA Home Loan Eligibility Requirements

The service requirement is a significant factor in a VA loan. You’re automatically disqualified if you don’t meet the requirement unless your case fits the exceptional circumstances.

Service Requirements for Veterans

You qualify for a VA home loan if you meet at least one of the following conditions as stipulated by the US Veterans Affairs Department:
  1. Served at least 24 continuous months
    1. From the Gulf War to the present day
    2. Between September 8, 1980, and August 1, 1990
    3. Between October 17, 1981, and August 1, 1990, as an officer
  2. Served at least 90 or 181 days for which you were called for active duty
    1. 90 days – From the Gulf War to the present day
    2. 181 days – Between September 8, 1980, and August 1, 1990
    3. 181 days – Between October 17, 1981, and August 1, 1990, as an officer
  3. Served 181 continuous days
    1. Post-Vietnam War period
    2. Between May 8, 1975, and October 16, 1981, as an officer
    3. Post-Korean War period
    4. Post-WWII period
  4. Served at least 90 total days
    1. During the Vietnam War
    2. Between November 1, 1995, and May 7, 1975, in the Republic of Vietnam
    3. During the Korean War
    4. During WWII

Service Requirements for National Guard Members

If you served between the Gulf War and now, you need at least 90 days of active duty. Otherwise, you must have served:
  • At least 90 days of non-training active-duty service, or
  • At least 90 days of activity-duty service, or
  • Six creditable years in the National Guard and discharged honorably or retired

Service Requirements for Reserves

If you served between the Gulf War and now, you need at least 90 days of active duty. Otherwise, you need at least 90 days of non-training active-duty service or six creditable years in the selected reserve. Besides any of the two previously mentioned, you were
  • Discharged honorably, or
  • Placed on the retired list, or
  • Transferred to Standby Reserve or element of the Ready Reserve, or
  • Are still part of the Selected Reserve

Exceptional Circumstances

You may still be eligible for a VA loan if you were discharged due to:
  1. Hardship, or
  2. At the convenience of the government after serving at least 20 months of a two-year enlistment, or
  3. Early out after serving at least 20 months of a two-year enlistment, or
  4. Reduction in force, or
  5. Medical conditions, or
  6. Service-connected disability

Corpus Christi VA Loan Benefits

VA purchase loans offer zero down payment, 100% financing, no mortgage insurance, limited closing costs, and zero prepayment penalty. The VA will also assist you if you can’t pay.

Apply for a Corpus Christi VA Home Loan Today

Capital Home Mortgage can help you get the VA home loan needed for your home purchase in Corpus Christi. Get started now by calling (361) 724-3166.
Why Corpus Christi 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 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Corpus Christi VA Purchase Loans

VA Purchase Mortgage Lender
  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

Corpus Christi VA Refinance

VA Refinance Mortgage Lender
  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification

Corpus Christi VA Eligibility

  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying 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, 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

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

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Corpus Christi Mortgage Company Reviews

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