Capital Home Mortgage Lubbock

Lubbock Conventional Home Loans

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Lubbock Conventional Mortgage Lender

Lubbock Conventional Home Mortgages can be used to purchase primary, secondary and investment properties. In this way conventional loans differ from other types of mortgage loans by allowing for different property uses.  Guaranteed by either Fannie Mae or Freddie Mac, conventional mortgages have different criteria and are ideal for borrowers who have higher credit scores.  Subsequently, conventional mortgage loans usually require less documentation than VA Home Loans, FHA Home Loans or USDA Home Loans which makes for easier qualifying.  Lubbock Conventional Mortgage Rates are typically lower as the credit requirements are higher for conventional loans.   The factors considered when applying for Conventional Home Loans are the borrower’s financial history, income, credit score and down payment compared to the sales price of the home.The last item considered on Conventional Home Loans are the loan limits based on the county where the property is located.  These are separated into conforming and high balance loan limits. For more information on a specific area please contact one of our licensed loan officers. Call today to speak to a licensed mortgage officer.

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 / Low Fees

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

Capital Home Mortgage Lubbock is dedicated to offering Great Lubbock Mortgage Rates. Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Benefits of Lubbock Conventional Home Loans

Conventional Purchase Loans are one of the most popular types of loans and a great choice for many home buyers. Conventional mortgages can be used to purchase any type of occupancy, while FHA, USDA, VA and Native American Loans are restricted to primary residence only. Conventional mortgages are great for borrowers that have higher credit scores and typically have easier qualifying.  

  • Freddie Mac and Fannie Mae Insured
  • Primary, Second or Investment Property
  • Single and Multi Family, Condo’s & Manufactured Homes
  • Mortgage Insurance Options
  • Lower Rates and Better Terms
  • 97% Loan to Value – Conforming – 647,250 Max Loan
  • 95% Loan to Value – High Balance
  • Primary Residence
    • Single Family – 95%  ( 97% First Time Buyer )
    • Duplex – 85%
    • Tri / 4 Plex – 80%
  • Second Home
    • Single Family – 90% 
    • Duplex – N/A
    • Tri / 4 Plex – N/A
  • Investment Property
    • Single Family – 85% 
    • Duplex – 75%
    • Tri / 4 Plex – 75%
Know Your Buying Power
Have Questions?
Cash-Out or Save Today
Not Sure? Take a Look at Other Lubbock Mortgage Programs

Lubbock Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Kelly Cameron

Loan Officer
NMLS 178093

Kelvin Thompson

Loan Officer
NMLS 2050042

Jonathon Cummins

Loan Officer
NMLS 270657

Lubbock Mortgage Company Reviews