Capital Home Mortgage Texas

Texas Native American Home Loans

Texas Native American Mortgage Lender

Texas Native American Home Loans

According to statistics, only about 50% of the Native American population in the United States own a home. This data is a surprise considering that the Department of Housing and Urban Development (HUD) has a particular loan program to make homeownership more straightforward and accessible to Native Americans.

The HUD-184 Loan

The HUD-184 Loan is a federally-backed loan program by the Department of Housing and Urban Development. It was created specifically to provide Native American tribal members access to mortgage financing with flexible terms.

HUD-184 Loan Eligibility

The Section 184 Loan Program is open to any one member of a federally recognized tribe. The Loan is available to all Native Americans, first-time and repeat homebuyers, as long as they have a Tribal Membership or Citizen Card from a tribe officially recognized by the government. One distinct advantage of this particular loan program is that only one of the applicants must be a Tribal member. You can qualify for a HUD-184 loan even if your spouse is not a member of any tribe and is the sole/primary earner in your household.

Qualifying for the HUD-184 Loan

Capital Home Mortgage is a full-service Texas mortgage company that offers and specializes in Native American Home Loans. We have helped countless Native Americans achieve their homeownership, and we can do the same for you too! Are you interested in a HUD-184 loan? Here are some critical details you need to know before applying for the Loan.
  • Credit Score: 

The HUD-184 Loan does not require a minimum credit score, making it ideal for qualified but credit-challenged borrowers. Unlike most mortgage programs, borrowers with poor credit are not required to pay higher interest rates.
  • Debt-to-Income Ratio: 

Lenders generally use a 41% debt-to-income ratio to determine the loan size borrowers can afford.
  • Borrower Income Limit: 

The HUD-184 Loan does not apply to borrower income limits.
  • Down Payment and Closing Costs: 

The HUD-184 Loan has some of the lowest down payment requirements in the market. A 2.25 percent down payment is required for loans over $50,000 and 1.25 percent for loans less than $50,000. There is also a one-time 1.5 percent guarantee fee paid to the government. This money could come from your savings, investments, or gifts from family members. Tribal assistance is also accepted.
  • First-time and Repeat Buyers: 

Compared to other low-down-payment mortgage programs, this one is open to first-time and repeat home buyers. Eligible borrowers may participate in the program multiple times but are allowed only one Section 184 Loan at a time.
  • Buy, Build, Renovate: 

Qualified borrowers may use the HUD-184 Loan to purchase, build, or remodel a home.
  • Refinance: 

Many homeowners also refinance their existing HUD-184 loans to get better terms.
  • Manual Underwriting: 

Rather than submitting documents to a computer that generates mortgage approvals or denials based solely on numbers, HUD-184 loans go through a detailed and thorough manual review process. This could mean a higher chance of approval and getting a mortgage that better suits your needs.

Need Help With Section 184 Loan?

HUD-184 loans offer more flexibility and have better terms than other types of loans, making them an excellent choice for Native American home buyers. However, obtaining a Section 184 loan can be a complicated process. If you are a member of a Native tribe and believe you may be eligible for a Section 184 loan, the mortgage experts at Capital Home Mortgage can help!  We provide free consultations, answer any questions you may have about a Section 184 mortgage, and will walk you through all available loan options. Call us today at (800) 536-8171 and speak with our Native American Team!
Why Texas HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support Application to Final Mortgage Payment

Texas 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

Texas Native American Purchase Loans

HUD 184 Home Loans are solely for Native Americans and offer a variety of purchase benefits.

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase an Existing Home
  • Construction of a New Home
  • Rehab an Existing Home
  • Purchase / Rehab Combo Loan

Texas Native American REfinance Loans

HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.

CAsh-Out or Renovation

  • Appraisal Required
  • 97.75% Max LTV for Rehab
  • 85% Max LTV for Cash-out
  • County Loan Limits Apply

Streamline REfinance

  • HUD 184 to HUD 184
  • No Income Qualification
  • No Appraisal Required
  • No Mortgage Lates in Last Year
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan 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?

What 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

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
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

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

Texas Native American Mortgage Team

Brad Rund

Native American Lending
Manufactured Lending

Dale Gremillion

Manager
NMLS 210325

Conor Hayhurst

Manager
NMLS 743506

Kathy Rubin

Sr Loan Officer
NMLS 204449

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