Capital Home Mortgage Houston

Houston Home Loans

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Houston Mortgage Lender

Home Loans In Houston, Texas

Whether you’re a first-time homebuyer or a seasoned investor, the mortgage approval process can feel intimidating without a clear road map and an experienced team on your side.

Updated program guidelines, mortgage rate issues, and down payment criteria are some factors to consider when obtaining mortgage financing for a new home or refinance.

How To Purchase A Home In Houston

Unless you have hundreds of thousands of dollars, taking out a mortgage would be your most accessible route to purchasing a home. Before making your way to a lender, you must understand how to get a mortgage in Houston.

Here are the initial steps to getting a home loan:

  • Pre-Qualify For A Home Loan

Before applying for a mortgage in Houston, you’ll want to ensure that you’re financially prepared to buy a property. You should have a stable income, employment, and manageable debt.

Since a home loan is a huge responsibility, it would be good to get pre-qualified before applying. This way, you can have a clearer picture of your financial readiness to obtain a mortgage.

  • Shop Around For Mortgage Options

After establishing financial stability, you can begin shopping for the best mortgage rates. Interest rates vary according to the lender, so shopping around is critical. The lower the rate, the less interest you will pay during the life of the loan.

At Capital Home Mortgage, we are committed to providing outstanding customer service while offering competitive home mortgage rates and low fees.

  • Gather The Required Documents

You must furnish numerous documents when you submit your mortgage application to your lender. This information will assist your lender in determining whether you are financially qualified for a mortgage.

You must demonstrate your income, employment, and identity and submit copies of recent tax returns and bank account statements. A few additional pieces of paperwork may be required if necessary. You will also need to consent to a credit check that your chosen lender will conduct.

  • Get Pre-Approved

Getting pre-approved and taking the time to determine which type of mortgage is appropriate for you can help make the entire process go more smoothly. 

While many first-time homebuyers consider pre-approval optional, it is one of the most critical phases in the home-buying process. Sellers are more likely to take you seriously when you have a pre-approval letter when shopping for a home.

You can get pre-approved on the same day you submit all the requirements. The pre-approval letter is usually valid for up to three months.

Houston, TX Mortgage Lender

When looking for a mortgage in Houston, you’ll likely encounter a variety of lenders, including both online and local institutions, each with its benefits and advantages. Houston mortgage lenders serve an extensive range of borrowers. From first-time homebuyers to seasoned investors.

Capital Home Mortgage offers a wide variety of home loan programs in the Houston area. We are a full-service mortgage lender offering products from FHA loans, VA loans, USDA home loans, Conventional-conforming loans, Jumbo loans, and Non-Qualified mortgage loans.

We streamlined our process to serve our clients better. We aim to provide great rates, low fees, and a stress-free home-buying experience. We are committed to providing excellent customer service and ensuring a smooth transaction from application to closing.

Apply For A Houston Home Loan

Are you looking to buy a property in Houston or refinance your current mortgage? Obtaining a mortgage loan in Houston does not have to be a complicated process.

Buying a home is a huge milestone, and Capital Home Mortgage can make the process easier and more enjoyable – just how it should be. We are a full-service home mortgage company that offers a comprehensive range of mortgage options and is committed to providing our clients with unparalleled customer care.

Call us today at 281-674-7372 to talk with a mortgage loan officer or obtain a no-obligation quick quotation.

Why Houston HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support Application to Final Mortgage Payment

Houston 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

Houston Mortgage Programs

Houston Home Purchase

Thinking of Buying a Houston Home?

Looking to Purchase a Home? We have the loan 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

Houston renovation home loans

Looking to Rehab a Houston Home?

What 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

Houston FHA Home Loans

Great for 1st Time Houston 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

Houston VA Home Loans

100% Financing for Houston 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

Houston Conventional Home Loans

Flexibility for Houston 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

Houston Jumbo Home Loans

Houston 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

Houston USDA Home Loans

100% Rural Houston 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

Houston Native American Home Loans

Houston 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

Houston Manufactured Home Loans

Great Alternative Houston Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.

  • Existing Purchase or Refinance
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Houston reverse mortgages

Your Houston 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

Houston Non QM Home Loans

Making Houston 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

Houston One Time Close Home Loans

Build Your Houston 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

Houston Refinance Mortgage Loans

Houston 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

Houston Cash-out Home mortgages

Houston 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

Houston 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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