Capital Home Mortgage Corpus Christi
Corpus Christi VA Home Loans
Corpus Christi VA Mortgage Lender
Welcome to Capital Home Mortgage Corpus Christi Texas. Are you wondering about Corpus Christi VA Home Loans, Corpus Christi VA Mortgage Rates and if you should use your Texas Veteran Loan? We can help you understand the advantages of a Corpus Christi VA Home Mortgage and if it is the right time to use your VA benefit for the current mortgage loan. Capital Home Mortgage Texas is a direct Corpus Christi VA Mortgage Lender, which means Capital Home Mortgage has VA direct authority to underwrite and approve your home loan. This control of the loan process and loan approval allows for streamline operations resulting in a quick and stress-free experience.
Ready to get started? Call now and one of our Corpus Christi VA mortgage professionals will answer your questions and walk you through the application and pre-approval. Thank you for allowing us the opportunity to provide your Corpus Christi VA home financing needs.
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
Capital Home Mortgage Corpus Christi is dedicated to offering Great Corpus Christi Mortgage Rates.
Call now to speak with a Loan Officer or request a no obligation custom rate quote.
Capital Home Mortgage is dedicated to offering Great Mortgage Rates.
Call Now to Speak with a Loan Officer or Request a no Obligation Rate Quote
Corpus Christi VA Purchase Loans
VA Home Loans are 100% financing with no loan limits provided the veteran has full entitlement available. The goal of the VA is to guarantee the loan for lenders in order to make homeownership easier and desirable for all active duty service members, active duty reservists, honorably discharged veterans, as well as retired and disabled service members.
- No Down Payment / No Loan Limits
- No Monthly Mortgage Insurance Required
- Simple Qualifying/ Flexible Underwriting
- Seller Paid Closing Costs up to 4%
- Higher Debt to Income Ratios Allowed
- Alternate Credit Allowed
- Manufactured Housing Permitted (Subject to Restrictions)
Corpus Christi VA Refinance Loans
The VA Home Mortgage Program offers two types of refinances. The streamline refinance, known as an interest rate reduction loan requires minimal documentation and must provide the veteran savings in payment or a reduction in term. The regular refinance is for cash-out and for conversions when a veteran is changing their mortgage over to a VA loan.
- Streamline Option
- VA IRRRL Rate and Term
- No Appraisal / No Income Verification Required
- Full Documentation
- Cash-Out Option (Not Available in Texas)
- Loan Conversions
Corpus Christi VA Mortgage Information
Corpus Christi VA Loan Requirements
- 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 as a result of Sevice realted Disability
Corpus Christi VA Funding Fees
- VA Purchases – First Use
- 0% to 5% Down Funding Fee 2.3%
- 5% or Higher Down Payment Funding Fee 1.65%
- Subsequent Uses Funding Fee 3.6%
- VA Cash-Out Refinances or VA Refinance Conversions
- First Use 2.3%
- Subsequent Uses 3.6%
- VA IRRL Refinance 0.5%
- No Funding Fee with 10% or Higher Disability