Capital Home Mortgage Killeen

Killeen home purchase loans

Killeen Home Purchase lender

Killeen Home Purchase Loans

Finding a home purchase loan in Killeen that fits your budget and needs can be easy with the help of an experienced mortgage professional.

At Capital Home Mortgage, we understand that every home purchase is unique, so we offer various loan options to suit every buyer. From fixed-rate to adjustable-rate mortgages, we have a loan that will fit your individual needs.

Types of Home Purchase Loans

Many home purchase loans are available on the market, and it can be challenging to know which one is right for you. Listed are the most common types of Killeen home purchase loans that we offer at Capital Home Mortgage:

– FHA Home Loans

FHA home loans are a favored option for first-time home buyers due to the low down payment requirements and flexible credit guidelines. This loan insured by the Federal Housing Administration helps to protect lenders in case of default. It is also the ideal mortgage to consider if you have a lower income.

– VA Home Loans

Capital Home Mortgage offers VA home loans to eligible active duty military personnel and veterans. Backed by the Department of Veterans Affairs, you can use this type of loan to buy a primary residence without needing a down payment. These loans also come with competitive interest rates and flexible credit guidelines.

– USDA Home Loans

USDA home loans are available to eligible buyers in rural areas and are backed by the US Department of Agriculture. They provide a great way to get your foot in the door of buying or refinancing, requiring no down payment and offering low rates and flexible conditions that can be tailored just for you. Plus, these loans are fully financed with no cap on seller concessions. 

– Conventional Home Loans

A conventional home loan is not backed by a government entity like the other types of loans on this list. Usually, these loans demand a higher credit score and down payment but offer lower interest rates and more flexible terms. A conventional loan is ideal if you do not qualify for a government-backed loan.

– Jumbo Home Loans

Jumbo home loans are available for borrowers who need to finance a home that exceeds the set loan limit by Fannie Mae and Freddie Mac. While they have higher interest rates than conventional loans, they can be a good option for high-net-worth individuals or those looking to purchase a luxury home.

– Non-Qualified Mortgage Loans

A non-qualified mortgage loan is a good option for borrowers who do not meet the standards set by government-backed loans. Although these loans offer worse terms and higher interest rates, they can be a practical choice for those who cannot obtain a conventional mortgage.

– Manufactured Home Loans

If you want to purchase a manufactured or modular home, manufactured home loans are your go-to mortgage. Fortunately, Capital Home Mortgage offers you the best options for financing your one-time close construction or manufactured home purchase.

– Native American Home Loans

Capital Home Mortgage is proud to offer Native American home loans backed by the US Department of Housing and Urban Development to our eligible customers. You can use this loan to buy or refinance a primary residence on tribal trust land.

– Renovation Home Loans

A renovation home loan may be the best option if you want to purchase a fixer-upper or need to do repairs on your current home. These loans can be used to finance both the purchase of a home and the cost of renovations, making them a convenient way to get the financing you need in one package.

– Reverse Mortgage

Reverse mortgage loans are a special kind of loan that allows homeowners to borrow against the equity in their home. These loans are available to homeowners age 62 and older and can be used to supplement income, pay for healthcare costs, or make home repairs.

Buying a Home in Killeen

Capital Home Mortgage is a trusted direct mortgage lender and servicer that offers many different types of loans to help you purchase your dream home. We work closely with our clients and always provide the best possible service.

If you are looking for an ideal mortgage in Killeen that will suit your needs and budget, call us now at (254) 213-7343 to speak with our experienced loan officers.

Why Killeen 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

Killeen 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

Killeen Home Purchase Loans

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, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Killeen fixed rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

Killeen Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying 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, 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

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 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 Manufactured Home Loans

Great Alternative Texas Housing

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

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

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

Killeen Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Killeen Mortgage Company Reviews

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