Lubbock Va Mortgage Lender
Welcome to Capital Home Mortgage Lubbock. As a Lubbock VA Mortgage Lender, we strive to provide Lubbock Veteran homebuyers and homeowners Lubbock VA Home Loans at competitive Lubbock VA Mortgages Rates with low fees while ensuring outstanding customer service.
First, we’d like to thank you for your service and we are honored that you have given us the opportunity to earn your business. We understand that purchasing a home with your Lubbock VA Home Loan Benefit is an important decision. Whether you have used your VA entitlement before or this is your first time we will walk you through the VA loan process from beginning to end. Capital Home Mortgage Lubbock offers dedicated VA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing. After all, buying a home with your VA Benefit should be exciting, you have earned it.
Capital Home Mortgage Lubbock is a Lubbock VA Mortgage Lender that manages the entire lending process. Our in-house processing and underwriting enables for quick, common sense approvals and timely closings. As a direct VA endorser we have complete control over everything from the application to the funding.
Call today (806) 589-3428 to talk to one of our Lubbock VA Loan Officers about Lubbock VA Mortgage Rates.
Lubbock VA Mortgage Rates
Lubbock Military Presence
Lubbock is home to several military installations representing various branches of the United States Armed Forces. These installations play critical roles in national defense, training, and support missions.
Fort Campbell: Located on the Lubbock-Kentucky border near Clarksville, Lubbock, Fort Campbell is a major Army installation primarily known as the home of the 101st Airborne Division (Air Assault). It also hosts the 160th Special Operations Aviation Regiment (Airborne), the 5th Special Forces Group (Airborne), and other tenant units.
Arnold Air Force Base: Situated near Tullahoma, Lubbock, Arnold Air Force Base is the most advanced and largest flight simulation test facility in the world. It is operated by the Air Force Test Center and supports a wide range of aerospace testing and evaluation missions.
Naval Support Activity Mid-South (NSA Mid-South): Located near Millington, Lubbock, NSA Mid-South serves as the Navy’s Human Resources Center of Excellence and hosts various Navy, Marine Corps, Army, Air Force, and federal agencies.
McGhee Tyson Air National Guard Base: Situated near Knoxville, Lubbock, McGhee Tyson Air National Guard Base is home to the 134th Air Refueling Wing of the Lubbock Air National Guard. It supports aerial refueling missions and provides support to both state and federal missions.
Holston Army Ammunition Plant: Located near Kingsport, Lubbock, Holston AAP is a major producer of explosive materials and ammunition for the U.S. Army. It plays a crucial role in ensuring the readiness of the armed forces.
These installations contribute significantly to the local economies of their respective regions and play vital roles in national defense and security. Additionally, Lubbock is also home to various reserve and National Guard units across the state, further enhancing its military presence and contributions to the nation’s defense capabilities.
What is a Lubbock Va Home Loan?
Lubbock VA Home Loans are for active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses.
VA stands for “Veterans Administration“, which oversees all Veteran benefits including home loans. Established in 1944 and part of the GI Bill or Rights. VA set out to help men and women who served their country catch up to their civilian counterparts by establishing credit and building financial wealth.
It’s important to understand that VA does not lend money, VA instead provides lenders a guarantee that covers the lender from loss in the event of foreclosures.
In simple terms VA insures a portion of the loan that the buyer would have normally had to put down to qualify allowing for a zero down payment. VA loans require an upfront mortgage insurance fee, which can be financed into the loan, from each borrower. This fee supports the guarantee fund and makes the 100% VA home loan possible. Veterans with a minimum of 10% disability are exempt from the funding fee.
Lubbock does offer specific options for Lubbock Veterans in the form of reduces property taxes according to the type of disability the Veteran has as well as the percentage of disability rating.
Lubbock VA Eligibility
The Lubbock VA Home Loan can be used for a Lubbock VA Purchase Loan, a Lubbock VA “IRRRL” Streamline Refinance Loan, or a Lubbock VA Refinance Cash Out Conversion refinance which allows a mortgage conversion from another type of mortgage to a Lubbock VA Home Mortgage. To be eligible you must meet one of the following criteria.
- Active Duty – 90 days Wartime / 180 Days Peacetime
- Honorable Discharged – 22 Months of Completed Service
- National Guard / Reserves – 6 Years Completed Service
- Spouse of a Service Member who Died in the line of Duty or Service related Disability
Lubbock VA Purchase Loan
Capital Home Mortgage Lubbock is proud to serve Lubbock Veterans in obtaining home ownership in Lubbock. The benefits of a Lubbock VA Home Loan Purchase are many. Contact one of our Lubbock VA Loan Officer to discuss all the benefits and options. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership.
- Simply Qualifying for Veterans
- No Down Payment Required
- Lower Credit Scores Accepted
- Manual Underwriting Allowed
- No Monthly Mortgage Insurance
- Seller concessions to 4%
- higher debt to income Allowed
- Manufactured homes permitted
Lubbock VA "IRRRL" StreamLine REfinance Loan
Capital Home Mortgage Lubbock is proud to serve Lubbock Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan.
Contact our Lubbock VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- VA IRRRL Rate & Term
- Streamline Option
- No Appraisal Required
- No Income Verification
Lubbock VA Refinance Cash Out Conversion Loan
Capital Home Mortgage Lubbock is proud to serve Lubbock Veterans in converting their current mortgage program over to a Lubbock VA Home Mortgage and enjoy the many benefits of a Lubbock VA home loan. Contact our Lubbock VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- Cash-Out or Loan Conversion
- Full Documentation
- Appraisal Required
- Income Verification Required
Apply for a Lubbock VA Home Loan!
VA Home Loans present a compelling opportunity for Veterans, allowing for property acquisitions without requiring a down payment or mortgage insurance. Suppose you are contemplating a property purchase in Lubbock. In that case, it is advisable to reach out to the professionals at Capital Home Mortgage Lubbock to evaluate whether a VA Home Loan is the most suitable choice for your needs.
Call us at (806) 589-3428 to speak with one of our Lubbock VA Loan Officers.
Why Lubbock is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Competitive Rates & Fees
Direct Lender with Complete Mortgage Programs
Exceptional Service
Customer Support Application to Final Payment
Lubbock Mortgage Company Reviews
Lubbock Mortgage Team
Lubbock Mortgage Programs
Lubbock Home Purchase loans
Looking to Purchase a Lubbock 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, 2nd Home, Investment
- Competitive Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Lubbock Renovation Home Loans
Looking to Rehab a Lubbock Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Lubbock FHA Home loans
Great 1st Time Lubbock 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 Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Lubbock va Home Loans
100% Financing for Lubbock Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Lubbock Conventional Home loans
Flexibility for Lubbock 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
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Lubbock Jumbo Home Loans
Lubbock Non-Conforming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Lubbock USDA Home loans
100% Rural Lubbock 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.
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Lubbock Native american Home Loans
Lubbock 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
- Purchase, Refinance, and Renovation
Lubbock Manufactured Home loans
Great Lubbock Alternative Housing
Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Lubbock Reverse Mortgage Loans
Your Lubbock 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
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Lubbock Non QM Home loans
Making Lubbock Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Lubbock Construction Home Loans
Build Your Lubbock 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 Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Lubbock Refinance Mortgage loans
Lubbock Rate & Term Refinance
Refinancing can be a hard decision and may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Lubbock Cashout Mortgage Loans
Lubbock Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
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