Odessa Va Mortgage Lender
Welcome to Capital Home Mortgage Odessa. As a Odessa VA Mortgage Lender, we strive to provide Odessa Veteran homebuyers and homeowners Odessa VA Home Loans at competitive Odessa 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 Odessa 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 Odessa 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 Odessa is a Odessa 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 (432) 218-4828 to talk to one of our Odessa VA Loan Officers about Odessa VA Mortgage Rates.
Odessa VA Mortgage Rates
Odessa Military Presence
Odessa 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 Odessa-Kentucky border near Clarksville, Odessa, 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, Odessa, 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, Odessa, 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, Odessa, McGhee Tyson Air National Guard Base is home to the 134th Air Refueling Wing of the Odessa Air National Guard. It supports aerial refueling missions and provides support to both state and federal missions.
Holston Army Ammunition Plant: Located near Kingsport, Odessa, 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, Odessa 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 Odessa Va Home Loan?
Odessa 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.
Odessa does offer specific options for Odessa 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.
Odessa VA Eligibility
The Odessa VA Home Loan can be used for a Odessa VA Purchase Loan, a Odessa VA “IRRRL” Streamline Refinance Loan, or a Odessa VA Refinance Cash Out Conversion refinance which allows a mortgage conversion from another type of mortgage to a Odessa 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
Odessa VA Purchase Loan

Capital Home Mortgage Odessa is proud to serve Odessa Veterans in obtaining home ownership in Odessa. The benefits of a Odessa VA Home Loan Purchase are many. Contact one of our Odessa 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
Odessa VA "IRRRL" StreamLine REfinance Loan

Capital Home Mortgage Odessa is proud to serve Odessa Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan.
Contact our Odessa 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
Odessa VA Refinance Cash Out Conversion Loan

Capital Home Mortgage Odessa is proud to serve Odessa Veterans in converting their current mortgage program over to a Odessa VA Home Mortgage and enjoy the many benefits of a Odessa VA home loan. Contact our Odessa 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 Odessa 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 Odessa. In that case, it is advisable to reach out to the professionals at Capital Home Mortgage Odessa to evaluate whether a VA Home Loan is the most suitable choice for your needs.
Call us at (432) 218-4828 to speak with one of our Odessa VA Loan Officers.
Why Odessa is Choosing Capital Home Mortgage
Complete Control from Application to Funding
Direct Lender with Competitive Rates & Fees
7 Day a Week Support Application to Final Payment
Odessa Mortgage Company Reviews
Odessa Mortgage Team
Odessa Mortgage Programs
Odessa Home Purchase loans
Looking to Purchase a Odessa Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Odessa Renovation Home Loans
Looking to Rehab a Odessa Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Odessa FHA Home loans
Great 1st Time Odessa Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Odessa va Home Loans
100% Financing for Odessa Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Odessa Conventional Home loans
Flexibility for Odessa Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Odessa Jumbo Home Loans
Odessa Non-Conforming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Odessa USDA Home loans
100% Rural Odessa Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Odessa Native american Home Loans
Odessa Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Odessa Manufactured Home loans
Great Odessa Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Odessa Reverse Mortgage Loans
Your Odessa Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Odessa Non QM Home loans
Making Odessa Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Odessa Construction Home Loans
Build Your Odessa Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Odessa Refinance Mortgage loans
Odessa Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Odessa Cashout Mortgage Loans
Odessa Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education