Capital Home Mortgage
El Paso

El Paso Home Loans

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El Paso Mortgage Lender

Home Loans In El Paso, Texas

Welcome to Capital Home Mortgage El Paso. First, we want to thank you for the opportunity to earn your mortgage business.  We understand that purchasing a home is the biggest decision in most people’s lives and why Capital Home Mortgage provides dedicated points of contact throughout the entire loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing.  After all, buying a home should be exciting, not stressful.

Have you finally found a home in El Paso, Texas, that meets your needs, budget, and preferences? The next thing you should do is apply for a home loan as soon as possible. Considering how competitive the housing market is these days, you could lose that home to someone else if you don’t grab the opportunity fast enough!

El Paso Home Loans: What You’ll Need

Before anything else, you must first decide on a lender and fill out an application for financing. Depending on the lending company you choose, you may be able to apply for a loan online, through the phone, or in person. 

Once you find a mortgage lender to originate your home loan, you and your co-borrower (if you have one) will need to provide proof of your employment, creditworthiness, and overall financial status. You’ll want to have these six documents before you apply:

  • Your W2’s for the last two years;
  • Recent 30-day pay stubs;
  • Bank statements for the previous two months (all financial accounts and investments);
  • Copy of most recent YTD profit/loss statement (if self-employed);
  • Copy of the Purchase and Sales Agreement.

Your lender may request additional documentation depending on your situation and the type of mortgage you wish to apply for.  

Expect your lender to inquire about your employment and financial history. Your lender will also run your credit report with your permission as part of the process. 

To improve your chances of getting approved, submit all the required documents and fill the application as completely and accurately as possible. Not disclosing credit issues or withholding requested documents will only delay the process and potentially prevent mortgage approval, so it’s in your best interest to be transparent about your finances.

El Paso TX, Mortgage Lender

During your search for a mortgage in El Paso, you’re likely to come across a variety of lenders, both online and local, each with its own set of benefits and drawbacks.

At Capital Home Mortgage, we work with a diverse array of borrowers. From first-time homeowners to seasoned investors, we have something for everyone. We are a full-service mortgage lender. We provide a range of mortgage products, including FHA loans, VA loans, USDA home loans, conforming conventional loans, jumbo loans, and non-qualified mortgage loans.

As a direct El Paso Mortgage Lender, Capital Home Mortgage controls the loan process from start to finish. This means from application to funding we make every decision. Our in-house processing and underwriting allow for quick make sense approvals and on-time closings. Capital Home Mortgage is a full-service El Paso Mortgage Company providing a complete line of home loan products along with great El Paso Mortgage Rates.

With our streamlined workflow process, we can offer our clients competitive rates, reasonable fees, and a stress-free home buying experience. We are dedicated to providing superior customer service and facilitating a seamless transaction from application to close.

Are You Ready To Buy A New Home In El Paso?

If you’re thinking about buying a property in El Paso, TX, or refinancing your current mortgage, we’re here to help!

Capital Home Mortgage is a full-service Texas mortgage firm that provides a broad range of home loan options, competitive mortgage rates, and low fees – all while offering exceptional customer service.

Whether you are a first-time homebuyer looking at an El Paso FHA Home Loan, active duty or retired veteran needing an El Paso VA Home Loan, or a seasoned buyer with an El Paso Conventional Home Loan we are here to help.

We can assist you in reviewing your loan alternatives and choosing the most appropriate one for you. To get started, contact one of our lending officers at your convenience. 

Why El Paso is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great El Paso Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

El Paso Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

El Paso Mortgage Rates

Capital Home Mortgage El Paso is dedicated to offering Great El Paso Mortgage Rates.

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

El Paso Mortgage Loans

El Paso Home Purchase

Buying an El Paso Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

El Paso Renovation Home Loans

El Paso Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

El Paso FHA Home Loans

1st Time El Paso Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Dallas VA Home Loans

100% Loans for El Paso Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

El Paso Conventional Home Loans

Flexibility for El Paso Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

El Paso Jumbo Home Loans

Great El Paso Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

El Paso USDA Home Loans

El Paso Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

El Paso Native American Loans

El Paso HUD 184 Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

El Paso Manufactured Home Loans

El Paso Mobile Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

El Paso Reverse Mortgages

Your El Paso Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

El Paso Mortgage Refinance

El Paso Cash-out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

El Paso Non Qualified Mortgage

Making El Paso Mortgages Possible

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

El Paso Texas Mortgage Team

Dale. Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Kelvin Thompson

Loan Officer
NMLS 2050042

Jonathon Cummins

Loan Officer
NMLS 270657

Ron Ireland

Branch Manager
NMLS 328363

Kelly Cameron

Loan Officer
NMLS 178093

Doug Harris

Loan Officer
NMLS 2152628

Julie Cappelli

Loan Officer
NMLS 770641

Kathy Rubin

Branch Manager
NMLS 204449

Davis Range

Loan Officer
NMLS 2144779

Stephanie Cantu

Loan Officer
NMLS 2131550

Chris Erwin

Loan Officer
NMLS 914064

Amy Bird

Loan Officer
NMLS 169849

Matt Williams

Loan Officer
NMLS 1945867

Damon Embler

Loan Officer
NMLS 882260

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