Capital Home Mortgage Fort Worth

Fort Worth Home Loans

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Fort Worth Texas Mortgage Lender

Home Loans In Fort Worth, Texas

The seductive allure of first-time homeownership is strong. Whether your goal is to accumulate generational wealth, create an asset that you can sell when you retire, or have a home that you can call your own, buying a home is a worthwhile investment.

If you believe you’re ready to take out a mortgage and purchase a home in Fort Worth, TX, the next step is to obtain a pre-approval loan, so you have an idea of the maximum amount of money you can borrow and what you can afford. 

Once you find the perfect property, it’s time to apply for a home loan. But before you do, it would be in your best interest to learn and understand as much as you can about the loan process first. 

The Loan Process 

Understanding the mortgage process and the time it takes to complete it will help you feel more secure as you proceed through the procedures and assist you in identifying any red flags that may surface along the way. 

The time required to approve and close the loan may vary depending on the type of home loan you wish to avail of, but the process is more or less the same. 

Most loans take around 4 – 10 weeks to close. Your lender should discuss the details in depth with you, but here’s what you can expect from a typical mortgage process:

1. Loan Application

The mortgage application process entails completing the application form, signing documents authorizing the lender to process your loan, and submitting all the documents required by the lender, such as bank statements, pay stubs, and W2s.

Given that the subsequent process cannot begin until these documents are received, you must submit your documentation as soon as possible.

2. Mortgage Processing

After receiving all of your documents, the file goes to a processor who examines and validates the information to ensure it is genuine and correct. The processor may contact your employer, landlord, and other lending institutions for verification. After verifying that everything is in order and all requirements have been satisfied, the file is submitted to the Underwriting department.

Loan processing typically takes two weeks but can be extended when third parties do not reply to validation requests or assessments are delayed.

3. Mortgage Underwriting

The underwriter evaluates your loan package to ensure that it complies with all applicable standards for the loan product you are applying for. They also review the appraisal and title report. They may perform additional verification of your employment, mortgage payments, and credit, as well as any other information they deem relevant to document your loan.

The underwriter retains ultimate discretion and decision-making authority over the loan’s approval.

4. Clear to Close

Once the underwriter has completed their evaluation, they will communicate “conditions to close” to your processor, usually additional documentation requirements to support your file. When all requirements are met, the underwriter will provide the final approval and “clear to close.”

When the processor receives authorization to close, they coordinate with all parties the time and venue for signing the final loan documents.

5. Closing

The final step in the home-buying process is closing. This is when all parties meet to finalize the deal by exchanging signatures, checks, and, eventually, house keys.

Several documents are examined and signed during the closing process. Once all closing fees are paid, and all documentation is signed, you can get your keys and prepare to move into your new home.

Fort Worth, TX Mortgage Lender

If you are in the market for a new home in Fort Worth, you owe it to yourself to talk to one of our Home Loan Specialists. We do a needs-based analysis of your situation to provide and offer the best possible product for your particular needs.

At Capital Home Mortgage, we want your home buying experience to be positive, and as such, we’re here to assist you in any way possible.

Because every home purchase is unique, we begin the process by listening to your needs and goals to recommend the best course of action.

Find the Right Mortgage

You can count on our knowledgeable and experienced loan officers to offer guidance and insight and provide you with the support you need to become a more confident homebuyer. 

Please speak with one of our loan officers at 817-779-7133 to learn more about our home loan products or get a quote free of charge.

Why Fort Worth is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fort Worth Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fort Worth Customer Service

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

Fort Worth Mortgage Rates

Capital Home Mortgage Fort Worth is dedicated to offering great Fort Worth Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Fort Worth Texas Mortgage Team

Dale Gremillion

NMLS 210325
Managing Director

Kelvin Thompson

NMLS 2050042
Loan Officer

Nick Underwood

NMLS 264147
Loan Officer

Cristina Roca

NMLS 1926089
Loan Officer

Fort Worth Mortgage Programs

Fort Worth Home Purchase

Buying A New Fort Worth Home?

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

Fort Worth Refinance Home Loans

Fort Worth Refinance & Save?

  • Save Money Today
  • Lower Monthly Payments
  • Reduce the Mortgage Term
  • Streamline Options Available

Fort Worth FHA Home Loans

Great for Fort Worth 1st Time Homebuyers

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

Fort Worth VA Home Loans

100% Financing for Fort Worth Veterans

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

Fort Worth Conventional Loans

Easy Qualifying for Fort Worth Buyers

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

Fort Worth USDA Home Loans

100% Financing Fort Worth Rural Property

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

Fort Worth Jumbo Home Loans

Great Fort Worth Rates & Flexible Options

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

Fort Worth Reverse Mortgages

Your Fort Worth Home at Work!

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

Fort Worth Native American Home Loans

Helping Fort Worth Native Americans

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

Fort Worth Manufactured Home Loans

Fort Worth Manufactured Homes

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