Capital Home Mortgage Dallas

Dallas Home Purchase Loans

Dallas Home Purchase Mortgage 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 is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Dallas Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Dallas Customer Service

7  Day a Week Support from Application to Final Mortgage 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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Dallas Home Purchase Loans

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.

Home Purchase Program Lender

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.

Not Sure? Learn More About Other Dallas Purchase Programs
Dallas 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

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