Capital Home Mortgage Laredo

Laredo Home Loans

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Laredo Texas Mortgage Lender

Home Loans In Laredo, Texas

Welcome to Capital Home Mortgage Laredo. If you’re considering buying a home in Laredo, then you probably already know how exciting this period of your life can be. Still, with the plethora of possibilities and choices available to you, plus the fact that this will likely be one of the most significant purchases you make in your lifetime, it can feel overwhelming and even frightening!

Before beginning your home hunt, it’s a good idea to familiarize yourself with the ins and outs of the homebuying process. This will give you the ability to make the best decisions for your family — and your budget.

4 Questions to Ask Yourself Before Buying A House

Whether you’re an experienced real estate investor or someone buying a home for the first time, there are numerous factors you need to take into account when deciding to purchase a real estate property.

That being said, before you begin your search for the perfect home in Laredo, ask yourself the following four questions first.

  • Is it a good time for me to buy a house?

Homeownership can bring a sense of pride while improving your long-term financial position, but only if you approach it with caution and an open mind. So, before you leap, make sure you have a clear idea of why you’re doing it.

Are you ready to establish your roots and live in one place for the next decade or so? Is your job secure? Can you comfortably budget for repairs and maintenance while paying for your mortgage? Is this the best decision for your family? 

If you’ve answered YES to most of these questions, start looking for a reliable mortgage lender in Laredo today!

  • What do I want?

Take the time to determine the type of home you wish to purchase. There are numerous housing options available, ranging from single-family and multi-family homes to condos and co-ops, and it’s critical to choose the type that best suits your needs. 

The town or neighborhood you wish to live in is also an essential factor to consider. While a property may have all of the features you desire, variables such as crime rate and proximity to significant highways can affect the overall homeownership experience. 

  • How much can I afford?

The general rule is that your mortgage payment should not exceed 30% of your monthly income. Another rule states that you should comfortably afford a residence that costs approximately two-and-a-half times your annual wage.

Use an online mortgage calculator if you want a more accurate picture of what you can realistically spend on a home. A mortgage calculator will show you a reasonable estimate of what your monthly mortgage payments would be if you purchased a property at a specified amount today.

  • Am I financially prepared?

A few months before beginning your home hunt, verify your credit history to ensure it is in good standing. Obtain copies of your credit report, verify its accuracy, and address any discrepancies you notice.

You’re also likely to want to get pre-approved for a home loan, which will position you to make a serious offer whenever you find the ideal property. A lender’s pre-approval is dependent on your credit history, debt, and income.

Most importantly, choose to work with an experienced mortgage lender in Laredo who can walk you through the process and help you sort through your options. If you’re a first-time homebuyer, don’t forget to inquire about available first-time homebuyer programs and other incentives.

Laredo, TX Mortgage Lender

Are you looking to relocate to buy a home in Laredo, Texas? You’ve come to the right place!  Capital Home Mortgage has a range of home loan programs to meet the needs of every buyer.

As one of the leading mortgage lenders in Texas, Capital Home Mortgage offers a flexible underwriting policy that fits different borrower types.  We pride ourselves on providing our customers with low fees, interest rates, and outstanding service.

Apply For A Home Loan In Laredo Today!

Capital Home Mortgage can help you realize your dream of becoming a Laredo homeowner!

As a direct mortgage lender in the state, we possess the required technologies and resources to expedite the loan application, underwriting, and funding processes. 

You can rely on us to complete mortgage applications and closings quickly and smoothly.

Why Laredo is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Laredo Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Laredo Customer Service

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

Laredo Mortgage Rates

Capital Home Mortgage Laredo is dedicated to offering great Laredo Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Laredo Texas Mortgage Team

Dale Gremillion

NMLS 210325
Managing Director

Kelvin Thompson

NMLS 2050042
Loan Officer

Nick Underwood

NMLS 264147
Loan Officer

Cristina Roca

NMLS 1926089
Loan Officer

Laredo Home Loan Programs

Laredo Home Purchase

Buying A New Laredo Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

Laredo Mortgage Refinance

Laredo Refinance & Save?

  • Save Money Today
  • Lower Monthly Payments
  • Reduce the Mortgage Term
  • Streamline Options Available

Laredo FHA Home Loans

Great for Laredo 1st Time Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Laredo VA Home Loans

100% Financing for Laredo Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Laredo Conventional Loans

Easy Qualifying for Laredo Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Laredo USDA Home Loans

100% Financing Laredo Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

Laredo Jumbo Home Loans

Great Laredo Rates & Flexible Options

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Laredo Reverse Mortgages

Your Laredo Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

Laredo Native American Loans

Helping Laredo Native Americans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Laredo Manufactured Home Loans

Laredo Manufactured Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans
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