Houston Refinance Mortgage Lender
Houston Rate & Term Refinance
Refinancing a mortgage can be a great decision, especially if you’re struggling to pay your monthly mortgage payments because it’s too expensive. Capital Home Mortgage can help you get better mortgage terms in Texas. Our loan experts will work with you to find the best mortgage deal based on your current mortgage agreement. Contact us now to learn more about our refinancing program.
What is Rate & Term Refinancing?
Refinancing is one way of making monthly amortizations easier. If you think your current mortgage terms are too expensive or disadvantageous with the current economic conditions, you can leverage refinancing to obtain better terms. Refinancing works by getting a new mortgage to pay off the existing one You’ll then continue paying the new one.
A type of refinancing you might be interested in is a rate & term refinance. In this refinancing type, you can obtain better interest rates and mortgage terms but can’t borrow more than the outstanding amount. If you have financial hurdles, you can refinance to a longer term. Moreover, you can also refinance to speed up payments.
Why Houston HomeBuyers are Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates & Low Fees
Exceptional Service
7 Day a Week Support Application to Final 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 Mortgage Securities
- Property Securing the Mortgage
- Occupancy of the Property
- Loan to Value of the Property
- Borrower’s Credit Worthiness
Houston VA refinance Home Loans
VA Streamline Refinance
- VA IRRRL Rate & Term
- Streamline Option
- No Appraisal Required
- No Income Verification
VA Standard Refinance
- Cash-Out or Loan Conversion
- Full Documentation
- Appraisal Required
- Income Verification Required
Houston FHA Refinance home Loans
FHA Standard Refinance
- Appraisal Required
- 97.75% Max Loan to Value
- Closing Costs Rolled In
- 80% Max Loan to for Cash-out
- Cash-out Option Available
- County Loan Limits Apply
FHA Streamline Refinance
- FHA to FHA
- No Income Qualification
- No Appraisal Required
- Closing Costs Cannot Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
Houston Conventional Refinance Loans
- Freddie Mac or Fannie Mae Insured
- Primary, 2nd or Investment Homes
- Single and Multi Family
- Condo’s and Manufactured Homes
- Mortgage Insurance Options
- Lower Rates & Flexible Terms
- Maximum Loan Amount – $766,550
- High Balance (Varies By County)
Houston Native American Refinance Loans
Cash-Out or Renovation
- Appraisal Required
- 97.75% Max LTV for Rehab
- 85% Max LTV for Cash-out
- County Loan Limits Apply
Streamline Refinance
- HUD 184 to HUD 184
- No Income Qualification
- No Appraisal Required
- No Mortgage Lates in Last Year
Houston USDA Refinance home Loans
USDA Non Streamlined
- Appraisal / Income Documents
- Max LTV Equal to Appraisal
- Closing Costs Rolled In
- County Loan Limits Apply
USDA Streamline Refinance
- No Appraisal / Income Docs Required
- Closing Costs Can Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
Houston Reverse Mortgage Refinance
- Primary Residence Only
- 62 Years or Older
- Required Hud Counseling
- Homeowners Insurance Required
- Must Continue to Pay Taxes
- Meet Required Equity Values
Texas Mortgage Programs
Texas Home Purchase
Thinking of Buying a Texas Home?
- Primary, Secondary, Investment
- FHA, VA, USDA, Native American
- Conventional, Jumbo, Non QM
- Reverse, Renovation, Manufactured
Texas renovation home loans
Looking to Rehab a Texas Home?
Want 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
Texas FHA Home Loans
Great for 1st Time Texas 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
Texas VA Home Loans
100% Financing for Texas 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
Texas Conventional Home Loans
Flexibility for Texas 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
Texas Jumbo Home Loans
Texas Non Conforming Loans
- Primary Residence and 2nd Homes
- Higher Loan Amounts – 3 Million
- Great Interest Rates
- Investor Specific Guidelines
Texas USDA Home Loans
100% Rural Texas 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
Texas Native American Home Loans
Texas 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
Texas reverse mortgages
Your Texas 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
Texas Non QM Home Loans
Making Texas 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
Texas One Time Close mortgages
Build Your Texas Dream Home
- Primary Residence Only
- Close Once
- Lock Rate at Contract
- Traditional Final Mortgage
Texas Refinance Mortgage Loans
Texas 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
Texas Cash-out Home mortgages
Texas 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 Texas Mortgage Team
Houston Mortgage Company Reviews
Texas Cities
Capital Home Mortgage is Powered by Canopy Mortgage, LLC NMLS # 1359687 | www.nmlsconsumeraccess.org | Equal Housing Opportunity | All information contained herein is for informational purpose only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions apply. Not an offer to extend credit or a commitment to lend. Terms subject to change without notice. Not all branches or MLO’s are licensed in all states.
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