Capital Home Mortgage El Paso

El Paso Home Loans

Home Purchase
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El Paso Mortgage Lender

Home Loans In El Paso, Texas

Welcome to Capital Home Mortgage El Paso. Thank you for the opportunity to earn your mortgage business. We understand purchasing a home is the most significant decision in people’s lives, which is why Capital Home Mortgage provides dedicated contact points throughout the loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing.

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 the competitive housing market, 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 can apply for a home 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 complete 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 diverse borrowers. We are a full-service mortgage lender. We provide a range of mortgage products, including FHA loans.

As a direct El Paso Mortgage Lender, Capital Home Mortgage controls the loan process from start to finish. Our processing and underwriting allow for quick approvals and on-time closings. Capital Home Mortgage is a full-service El Paso Mortgage Company providing home loan products and 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 considering 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. Contact one of our lending officers at (915) 283-3949

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

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

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

El Paso Mortgage Loans

El Paso Home Purchase

Buying an El Paso Home?

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

El Paso Renovation Home Loans

El Paso Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac 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 Allowed

El Paso VA Loans

100% Loans for El Paso Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

El Paso Conventional Home Loans

Flexibility for El Paso Buyers

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

El Paso Jumbo Home Loans

Great El Paso Rates

  • Primary & 2nd Homes
  • Higher 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
  • Closing Costs Can Be Rolled In

El Paso Native American Loans

El Paso HUD 184 Loans

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

El Paso Manufactured Home Loans

El Paso Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

El Paso Reverse Mortgages

Your El Paso Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • 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
  • Appraisal Waivers
  • Streamline Options Available

El Paso Non Qualified Mortgage

Making El Paso Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

El Paso 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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