Capital Home Mortgage

Conventional Home Loans

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Conventional Mortgage Lender

Conventional Home Mortgages can be used to purchase primary, secondary, and investment properties. In this way, conventional loans differ from other types of mortgage loans by allowing for different property uses.  Guaranteed by either Fannie Mae or Freddie Mac, conventional mortgages have different criteria and are ideal for borrowers who have higher credit scores.  Subsequently, conventional mortgage loans usually require less documentation than VA Home Loans, FHA Home Loans, or USDA Home Loans which makes for easier qualifying.  Conventional Mortgage Rates are typically lower as the credit requirements are higher for conventional loans.  

The factors considered when applying for Conventional Home Loans are the borrower’s financial history, income, credit score, and down payment compared to the sales price of the home. The last item considered on Conventional Home Loans is the loan limits based on the county where the property is located.  These are separated into conforming and high-balance loan limits. For more information on a specific area please contact one of our licensed loan officers. Call today to speak to a licensed mortgage officer.

Why People Are Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Exceptional Customer Service

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

Capital Home Mortgage Rates

Capital Home Mortgage is dedicated to offering Great Mortgage Rates.

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

Benefits of Conventional Mortgage Loans

  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single and Multi Family, Condo’s & Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates and Better Terms
  • 97% Loan to Value – Conforming – 647,250 Max Loan
  • 95% Loan to Value – High Balance
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