Capital Home Mortgage Texas

Texas Jumbo Home Loans

Texas Jumbo Mortgage Lender

Welcome to Capital Home Mortgage Texas, a Texas Jumbo Mortgage Lender, that provides Texas homebuyers and homeowners Texas Jumbo Home Loans, also known as Texas Non Conforming Home Loans, at competitive Texas Jumbo Mortgages Rates with low fees while providing outstanding customer service.  

Are you wondering about Texas Non Conforming Home Loans or Non Conforming Mortgage Rates, and if it’s the right mortgage for you?  We can help you understand the advantages of a Jumbo Home Mortgage.  Jumbo Home Mortgages offer buyers the ability to purchase properties over the conforming limits set by Fannie Mae and Freddie Mac.  These higher loan amounts make it possible to purchase more expensive homes while still keeping the down payment at 10% or below.  

Capital Home Mortgage Texas is a direct Texas Jumbo Mortgage Lender that manages the entire lending process from application to funding.  Call today (800) 960-4565 to talk to one of our Texas Jumbo Loan Officers.

Texas Jumbo Mortgage Loans

Jumbo mortgage loans in Texas, like in other states, are intended to finance higher-priced homes that exceed the conforming loan limitations established by government-sponsored enterprises such as Fannie Mae and Freddie Mac. These limitations vary by area and are subject to periodical revisions. Jumbo loans often have different terms and criteria than regular mortgages.

Jumbo Non Conforming Home Loans in Texas are often used for house purchases that exceed Fannie Mae and Freddie Mac conforming loan limitations. These restrictions can vary annually, so check the current limits to see if your loan amount qualifies as a jumbo loan.  Texas Jumbo loans enable customers to finance larger loan amounts compared to traditional conforming loans. The exact threshold for what makes a jumbo loan varies, although it typically begins above the conforming loan limitations.

Jumbo loans may require stronger qualification standards due to their larger loan amounts. This could include more stringent credit score criteria, lower debt-to-income ratios, and larger financial reserves.  Jumbo loans may have higher interest rates compared to conforming loans due to higher lender risk. However, interest rates can fluctuate depending on market conditions, the borrower’s creditworthiness, and other considerations.

Texas Jumbo loan borrowers will need a larger down payment than those with normal mortgages. The actual percentage varies, but lenders typically require a 20% down payment or more.

Remember that market conditions and laws change, so it’s vital to consult with your lender or financial advisors for the most up-to-date information on Texas jumbo mortgage loans.

Apply for a Texas Jumbo Loan Now!

Jumbo mortgages are very attractive because they enable borrowers to acquire high-end properties that they would not be able to afford with a traditional mortgage.  If you’re considering buying a high-priced property in Texas, contact the experts at Capital Home Mortgage Texas to discuss whether a jumbo loan is your best option.  Call today (800) 960-4565 to talk to one of our Texas Jumbo Loan Officers.

Texas Non Conforming Home 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

Texas Jumbo 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
Why Texas 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

Texas Mortgage Company Reviews

Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Texas Mortgage Programs

Texas Purchase loans

Looking to Purchase a Texas Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

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 a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Texas FHA Home loans

Great 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 Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Texas va Home Loans

100% Financing for Texas Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • 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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Texas Jumbo Home Loans

Texas Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Texas USDA Home loans

100% Texas Rural 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.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

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
  • Purchase, Refinance, and Renovation

Texas Manufactured Home loans

Great Texas Alternative 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
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Texas Reverse Mortgage Loans

Your Home Texas 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
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

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, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Texas One Time Close Home Loans

Build Your Texas 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 Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

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.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Texas Cashout Mortgage Loans

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
  • Dream Vacation
  • Higher Education

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

Mcallen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans

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