Capital Home Mortgage Laredo

Laredo Home Loans

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Laredo 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, familiarize yourself with the ins and outs of the home-buying process. This will allow you 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. Before searching for the perfect home in Laredo, ask yourself the following four questions.
  • 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, ensure you understand why you’re doing it. Are you ready to establish roots and live in one place for the next decade? Is your job secure? Can you budget for repairs and maintenance? 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 essential. While a property may have all the desired features, 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 be at most 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 spend on a home. A mortgage calculator would show you a reasonable estimate of your monthly mortgage payments 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 depends 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, remember to inquire about available first-time homebuyer programs and other incentives.

Laredo, TX Mortgage Lender

Are you looking to relocate to Laredo, Texas? You’ve come to the right place! Capital Home Mortgage has a range of home loan programs to meet your needs. 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. Call us at (956) 307-3422.

Why Laredo 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 Mortgage Payment

Laredo 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
Laredo Mortgage Programs

Laredo Home Purchase

Thinking of Buying a Laredo 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

Laredo renovation home loans

Looking to Rehab a Laredo 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

Laredo FHA Home Loans

Great for 1st Time Laredo 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

Laredo VA Home Loans

100% Financing for Laredo 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

Laredo Conventional Home Loans

Flexibility for Laredo 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

Laredo Jumbo Home Loans

Laredo 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

Laredo USDA Home Loans

100% Rural Laredo 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

Laredo Native American Home Loans

Laredo 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

Laredo Manufactured Home Loans

Great Alternative Laredo Housing

Laredo reverse mortgages

Your Laredo 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

Laredo Non QM Home Loans

Making Laredo 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

Laredo One Time Close Home Loans

Build Your Laredo 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

Laredo Refinance Mortgage Loans

Laredo 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

Laredo Cash-out Home mortgages

Laredo 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

Laredo Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Jordan Mowrey

SR Loan Officer
NMLS 210325

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