Dallas Home Purchase lender
Dallas Home Purchase Loans
Are you planning to buy a house in Dallas and are confused about which mortgage is right for you? Let our team of experts at Capital Home Mortgage help! We’ve got the perfect home purchase loans to fit any need, and we’re here to provide you with a smooth and stress-free experience.
Types of Home Purchase Loans
Capital Home Mortgage has been a direct mortgage lender and servicer for years. We offer a variety of loan products to help you finance your home purchase quicker and without the usual hassles. We provide the following types of home purchase loans in Dallas:
– Conventional Home Loans
Getting a conventional home loan is ideal for those with good credit and, ideally, up to 20% down payment at the ready. The government does not insure this home purchase loan, so the eligibility requirements are a bit more stringent than government-backed mortgages.
– FHA Home Loans
An FHA home loan is your go-to mortgage as a moderate-income earner with a low credit score since it is borrower-friendly. FHA home loans are also perfect for first-time buyers, as they offer more relaxed qualifying requirements than the other mortgage types.
– Jumbo Home Loans
A Jumbo home loan is for when you need to finance an expensive property. The limit on how much you can borrow with this type of mortgage is higher than the limit for a conventional home loan, so if you’re looking to purchase a high-end home in Dallas, this may be the best option.
– Manufactured Home Loans
A manufactured home loan might be the answer if you want a more affordable home yet can’t find anything in your price range. Capital Home Mortgage offers this type of home loan so you can purchase a mobile or modular home that fits your budget.
– Non-Qualified Mortgages
As the name suggests, a non-qualified mortgage does not adhere to the guidelines set by government-sponsored enterprises. It is perfect for borrowers with unique circumstances, such as those who are self-employed, have a nontraditional income, or cannot meet conforming requirements.
– Rate & Term Refinance
A rate and term finance loan can be a great way to save money in the long run. It can lower your monthly mortgage payments or shorten the length of your loan.
– Renovation Home Loans
With a renovation home loan, you can borrow the money you need to make minor or significant improvements to your property. This type of home purchase loan is perfect for when you want to make cosmetic changes or add square footage to your home.
– Reverse Mortgage
Reverse mortgages are not typical home purchase loans, but they do allow people to take out equity and use it as an alternative form of retirement savings. The option to reverse mortgage may be perfect for seniors looking to remain in their homes and still get the financial security they need.
– VA Home Loans
If you’re a veteran, surviving spouse of an active duty service member, or current military personnel, VA loans are available to help with your home purchase. You don’t need to look further but seek assistance from us at Capital Home Mortgage. We are a direct VA mortgage lender, so we have VA direct authority in underwriting and approving your home loan.
Buying A Home In Dallas
You can choose from the various in-house financing options at Capital Home Mortgage to suit your needs and budget. We ensure you’ll find it easy and affordable to obtain the right Dallas home purchase loan that matches your requirements.
Contact us today at (214) 372-0015 to get started.
Why Dallas 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
Dallas 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
Dallas Home Purchase Loans
- Primary, Secondary, Investment
- FHA, VA, USDA, Native American
- Conventional, Jumbo, Non QM
- Reverse, Renovation, Manufactured
Dallas 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.
Dallas 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?
- 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
- 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 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
- 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
