Capital Home Mortgage Dallas

Dallas Jumbo Home Loans

Dallas Jumbo Mortgage Lender

Dallas Jumbo Home Loans

Some properties come with super high price tags that exceed the conforming limits for Conventional and government-backed mortgages. You’ll need Jumbo loans to finance these properties. These mortgages exceed the conforming loan limits set by Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency.

If you’ve been eyeing a high-end property in Dallas, our team at Capital Home Mortgage is here to help you obtain a Jumbo home loan. We understand that buying a high-priced home comes with challenges, so we offer various flexible financing options to meet your needs. 

Jumbo Loans vs. Conforming Loans

The main difference between Jumbo and conforming loans is the amount of money you’re borrowing. Jumbo loans are for high-priced homes that cost more than the maximum amount allowed for conforming loans.

Conforming loans are the best choice for most people as they adhere to FHFA limits, making them easier to obtain. Meanwhile, Jumbo loans don’t meet these guidelines and exceed the loan limits set by government-sponsored enterprises. 

As a result, they’re considered riskier for both lenders and borrowers since they can’t be sold to government-sponsored enterprises in the event of default. 

Qualifying for a Jumbo Loan

Jumbo loans are not for the faint of heart. With higher amounts and requirements beyond what most people need, these types of financing come with risks you might not want to take on your house payment. Additionally, since they are more expensive than conventional and are not government-backed, they have stricter requirements.

If you want to take out a Jumbo Loan, your credit score must be at least 720. Some lenders will only provide loans for those with higher scores. We recommend checking your credit score and history before applying for a Jumbo home loan in Dallas. This way, you’ll know immediately if you qualify or not. 

In addition to having an excellent stellar credit score, your payment history will be scrutinized more carefully. Any late payments, bankruptcies, or foreclosures will make it harder to qualify for a Jumbo loan. 

Ideally, your debt-to-income ratio (DTI) must be below 45%, and you should be able to afford a down payment of 10 to 30% of the sales price.

Furthermore, you’ll need to provide documents that verify your income and employment. These documents include but are not limited to bank statements, financial statements, pay stubs, tax returns, and W-2 statements. We may also ask for other kinds of proof as needed during the application process, so it’s best to keep them on hand!

Get a Jumbo Home Loan in Dallas Today

At Capital Home Mortgage, we understand that buying a home is a considerable investment. We also know that some homebuyers dream of an exclusive property, which is why we work with homebuyers to help them get suitable Jumbo home loans for their needs.

Our team prides itself on ensuring our clients have an enjoyable mortgage and home-buying experience. Get in touch today by calling (214) 372-0015. We look forward to providing your next Dallas Jumbo loan.

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 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Dallas Jumbo Home 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 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

Dallas Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Native American Lending
Manufactured Housing

Dallas Mortgage Company Reviews

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