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Houston Non Qualified Mortgage Loans

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Houston Non Qualified Mortgage Mortgage Lender

Houston Non-Qualified Mortgage Loans

For many would-be borrowers, qualifying for a home loan can be difficult. There are so many requirements involved. It is usual for lenders to impose strict requirements in evaluating and accepting mortgage applications. Requirements can be tough because lenders also comply with the Consumer Protection Act and the Dodd-Frank Wall Street Reform Act

With legislation imposing minimum requirements on top of lender-specific requirements, many Americans are turning to mortgage loan programs that allow them to qualify based on alternative methods instead of the standard eligibility requirements. These are known as non-qualified mortgages. 

Capital Home Mortgage offers a Houston non-qualified mortgage program to make it easier for people who can’t tick all the requirements to access homeownership.

What is a Non-QM Mortgage?

A non-qualified mortgage (non-QM) is outside the compliance requirements of qualified mortgages. Lenders adopt the Consumer Financial Protection Bureau requirements to offer suitable loan products. The main reason for the CFPB to impose minimum requirements is to prevent poor and predatory lending practices.

Houston Non-Qualified Mortgage Loans can be used to purchase primary, secondary, and investment properties. Non-QM loans differ from other types of mortgage loans by allowing different income sources to be used for qualifying. Subsequently, Non-Qualified Mortgage loans usually require less documentation than Conventional Home Loans, VA Home Loans, FHA Home Loans, or USDA Home Loans, which makes for easier qualifying. Non-Qualified Mortgage Rates are higher due to limited documentation requirements. Please contact one of our licensed loan officers for more information on a specific area. Call today to speak to a licensed mortgage officer.

Why Houston is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Houston Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Houston Customer Service

7  Day a Week Support from 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 Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

Chris Erwin

Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325
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