Capital Home Mortgage Lubbock

Lubbock Home Loans

Home Purchase
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Lubbock Mortgage Lender

Home Loans In Lubbock, Texas

Welcome to Capital Home Mortgage Lubbock. Even with today’s low property prices, buying a home is one of the costliest purchases you’ll ever make. Thus, it is only rational to take your time and gain as much knowledge and insight as possible before signing on the dotted line.

You need to take a step back and ensure that your decision is logical and calculated, not emotional.  

Things To Keep In Mind Before Buying A House

By being as prepared as possible, you’ll be able to navigate an enormously complicated process while optimizing your investment successfully.

Here are four critical steps to ensuring your property search will be smooth.

     1. Know what you can realistically afford.

A home is not simply a way to replace your rent with a mortgage. A home is a significant investment; if the timing is not right, it can be a substantial mistake! When looking to buy a new home, you first need to get pre-approved for a mortgage. If your credit score and debts are less than ideal, consider paying down some debt, boosting your credit score, and increasing your savings before applying for a home loan.

Once you obtain pre-approval for a mortgage, it is critical to understand that the amount granted sometimes varies from the purchase price of the home you should be considering. Usually, re-approval rates are significantly higher than what you can realistically afford, so look at your budget and determine how much money you can spend each month before looking at properties.

     2. Factor in less apparent costs.

Additionally, it’s critical to remember that homeownership is more than just paying the monthly premiums. There are also annual property taxes, and if your down payment was less than 20% of the home’s purchase price, mortgage insurance. Over time, you’ll also have to include the house’s upkeep and maintenance in your budget.

Planning and factoring in all additional costs, you will avoid unpleasant surprises and be prepared for unexpected expenses.

     3. Do your research.

When purchasing real estate, the most common mistake is failing to conduct adequate research. Some people rush in and make purchases, only to find themselves dealing with the consequences.

When purchasing a home, one can never be too prepared. Start by identifying the areas you wish to live in, and then consult real-estate websites to learn about recent sale prices and suburb profiles. Also, make it a point to speak with local real estate agents to understand how the market in that suburb has been trending.

By taking your time and conducting the necessary research, you’ll significantly lower your risk of overpaying or settling for something you didn’t want.

     4. Negotiate.

The last thing you want to do is make an impulse purchase out of fear of saying no. Remember that walking away from a deal that isn’t right is perfectly acceptable. There will be other properties that meet your specifications.

Furthermore, getting the right mortgage is as important as finding the right home at the right price. You should shop around even if you’ve found an excellent deal. Rates differ depending on the lender. Choosing the right lender may save you money throughout the loan.

The thing is, you should never feel compelled to make a hasty property purchase. Work according to your schedule and ensure your demands are met before committing to anything.

Lubbock, TX Mortgage Lender

If you’re looking for a new home in Lubbock, Texas, you owe it to yourself to speak with one of our Home Loan Specialists. We conduct a needs-based analysis of your situation to recommend and offer the best possible home loan product for your specific requirements.

Here at Capital Home Mortgage, we do our best to make home-buying an excellent experience for our clients.

As such, we make a concerted effort to provide exceptional service and facilitate a seamless home-buying process. 

We’ll Help You Find The Right Mortgage

Due to the unique nature of each home purchase, we begin by listening to your needs and goals to recommend the best course of action.

Whether you are a first-time home buyer looking for your dream home or an experienced buyer looking for investment properties, we have home loan programs to suit your needs and budget.

You can rely on our knowledgeable and experienced loan officers to provide guidance and insight, as well as the assistance you need to make you more confident about your choices.

Why Lubbock is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Lubbock Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Lubbock Customer Service

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

Lubbock 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

Lubbock Mortgage Loans

Lubbock Home Purchase

Buying a Lubbock Home?

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

Lubbock Renovation Home Loans

Lubbock Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Lubbock FHA Home Loans

1st Time Lubbock Homebuyers

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

Lubbock VA Home Loans

100% Loans for Lubbock Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Lubbock Conventional Home Loans

Flexibility for Lubbock Buyers

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

Lubbock Jumbo Home Loans

Great Lubbock Rates

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

Lubbock USDA Home Loans

Lubbock Rural Properties

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

Lubbock Native American Loans

Lubbock HUD 184 Loans

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

Lubbock Manufactured Home Loans

Lubbock Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Lubbock Reverse Mortgages

Your Lubbock Home at Work!

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

Lubbock Mortgage Refinance

Lubbock Cash-out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Lubbock Non Qualified Mortgage

Making Lubbock Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Lubbock Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

Chris Erwin

Loan Officer
NMLS 914064

Dale Gremillion

NMLS 210325

Lubbock Mortgage Company Reviews

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