Capital Home Mortgage Laredo

Laredo home purchase loans

Laredo Home Purchase lender

Home Purchase Loans In Laredo

Are you interested in purchasing a home in Laredo? Capital Home Mortgage Laredo can help extend you a mortgage for your home loan needs. As a direct mortgage lender, we provide a variety of mortgage packages to residents of Laredo.

Each type of mortgage loan has its rewards and peculiarities. Our mortgage experts at Capital Home Mortgage Laredo are pleased to assist you in any way they can, but let’s conduct a fast walkthrough to get you started.

Types of Home Loans

– Conventional-Conforming

Any mortgage loan not federally insured or guaranteed is referred to as a conventional loan (such as under the Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). Conforming or non-conforming loans are both considered conventional loans.

  • Conforming – Loan amounts for conforming loans are limited by government regulations. In addition, the organizations that back conforming loans, Fannie Mae or Freddie Mac, set additional criteria. All loans that follow the guidelines set the government-sponsored enterprises are called “conforming loans.”
  • Non-Conforming – A nonconforming mortgage does not adhere to the rules of government-sponsored enterprises (GSEs), such as Freddie Mac and Fannie Mae, and cannot thus be sold to them. The GSE rules include, among other things, a maximum loan amount, appropriate properties, down payment requirements, and credit requirements.

– FHA

A government-backed mortgage that the Federal Housing Administration insures is known as an FHA loan. The FHA  insures the loan against future default by the borrower, eliminating the lender’s loss. In doing so, lenders can aggressively offer FHA-insured loans with lenient eligibility requirements.

– VA

A VA loan is a government-backed mortgage that supports the purchase, refinancing, and home improvements of eligible Veterans, service members, surviving spouses, and other individuals. Instead of the Department of Veterans Affairs, private lenders such as banks and mortgage firms offer VA loans. All VA home loans come with a no-money-down requirement.

– USDA

A USDA home loan is a mortgage with no down payment for qualifying rural borrowers. The United States Department of Agriculture issues USDA loans through the USDA loan program, often known as the USDA Rural Development Guaranteed Housing Loan Program. Direct and Guaranteed are the two types of USDA home loans available.

– Jumbo

A jumbo loan, also called a jumbo mortgage, is financing that exceeds the Federal Housing Finance Agency’s lending limits (FHFA). Unlike regular mortgages, jumbo loans cannot be acquired, insured, or securitized by Fannie Mae or Freddie Mac. Designed to fund luxury buildings and homes in highly competitive local real estate markets, jumbo mortgages have specific underwriting criteria and tax consequences.

Apply for a Home Purchase Loan in Laredo

Now is the time to enlist Capital Home Mortgage’s assistance in ensuring a simple home purchase for you. For more information regarding your Laredo home purchase financing, contact one of our Loan Officers at (956) 307-3422.

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 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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Laredo 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

Laredo 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.

Laredo 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

Laredo Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

Laredo Mortgage Company Reviews

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