Texas Purchase Home Loans

Texas Purchase Mortgage Lender

Welcome to Capital Home Mortgage Texas, your trusted partner in navigating the Texas real estate market. We are dedicated to offering Texas homebuyers a diverse range of purchase loans tailored to meet their unique needs while providing some of the most competitive mortgage rates in the industry. Our commitment to keeping fees low and delivering exceptional customer service ensures that your home financing journey is both affordable and seamless.

Purchasing a home is one of the most significant and potentially stressful decisions you will make, and we recognize the importance of making this experience as smooth as possible. At Capital Home Mortgage Texas, we assign you a dedicated contact who will walk you through every step of the home buying process. Our experts take the time to educate you on the various types of home purchase loans available in Texas, empowering you to make informed decisions with confidence.

Our mission is to streamline the home buying experience, making it quick and effortless while providing personalized support. We assist you in evaluating your options and selecting the loan that best aligns with your financial situation and long-term goals. Whether you’re navigating your first home purchase or adding to your property portfolio, our goal is to ensure you find the perfect financing solution tailored to your circumstances.

No matter your situation, we have specialized loan programs to meet your needs. First-time homebuyers can take advantage of our Texas FHA Purchase Loans, while those interested in rural properties might find our Texas USDA Purchase Loans ideal. We also offer unique options such as Texas Native American Purchase Loans and Texas VA Purchase Loans for active duty or retired veterans. Our Texas Conventional Home Loans provide flexible terms and competitive rates for seasoned buyers seeking conventional financing.

As a comprehensive Texas Purchase Mortgage Lender, Capital Home Mortgage Texas handles every aspect of the lending process from the initial application to the final funding. Our in-house processing and underwriting teams work diligently to ensure quick, sensible approvals and timely closings, eliminating unnecessary delays and complications. This integrated approach allows us to control the entire process, providing a hassle-free experience.

Take the first step towards your new home today by contacting us at (800) 960-4565. Our knowledgeable Texas Purchase Loan Officers are ready to assist you and answer any questions. Let Capital Home Mortgage Texas be the key to unlocking your dream home with confidence and ease.

At Capital Home Mortgage Texas, we offer a wide array of mortgage programs designed to meet the unique needs of Texas homebuyers. Below are the key components to understand in the home buying process:

Down Payment: Your initial investment towards your new home, typically a percentage of the purchase price. A higher down payment can lead to better loan terms and lower monthly payments.
Interest Rates: The cost of borrowing money. They are available as fixed rates that stay the same throughout the loan term or adjustable rates that may change over time. We provide competitive rates to suit your financial preferences.
Loan Term: The length of time you have to repay your mortgage, commonly 15 or 30 years. Choosing the right term can help you balance monthly payments with the total interest paid.
Closing Costs: These are the essential fees required to finalize your mortgage, including loan origination, appraisal, and title insurance. We strive to keep these costs transparent and manageable.
Pre-Approval vs. Pre-Qualification:
- - Pre-Qualification: An initial overview of your potential loan eligibility based on self-reported financial information.
  - Pre-Approval: A comprehensive assessment by our lenders, reviewing your credit and financial history to determine the exact loan amount you qualify for, strengthening your position when making an offer.
Credit Score: A critical factor in securing favorable loan terms and interest rates. Higher credit scores can unlock lower rates and better loan options.
Private Mortgage Insurance (PMI): Required for conventional loans with less than a 20% down payment, PMI safeguards the lender in case of default, allowing you to purchase a home with a smaller upfront investment.
Home Appraisal: A professional evaluation of the property’s fair market value ensures that the loan amount is appropriate for the property’s worth and protects both you and the lender.

Understanding these elements is essential for making informed decisions during your home buying journey. Our expert team at Capital Home Mortgage Texas is here to guide you through each step, providing the support and information you need to secure the best mortgage for your situation.

Contact us today at (800) 960-4565 to speak with one of our experienced Texas Purchase Loan Officers and take the first step towards owning your dream home.

Texas Purchase Home Loans

Texas One Time Close Purchase Home Loans

Texas Renovation Purchase Home Loans

TExas manufactured Purchase Home loans

Texas One Time Close Purchase Loans

Texas one time close construction Purchase Home loans

Capital Home Mortgage Texas’s One-Time Close Construction Home Mortgage simplifies the homebuilding process by merging construction financing with the permanent mortgage into a single loan. This eliminates the need for multiple applications and closings, saving both time and money. Additionally, these loans can be combined with other mortgage products to offer lower down payments, providing a seamless and flexible financing solution for building your dream home in Texas.

Texas Renovation Purchase Loans

Texas Purchase Renovation Home Loans

Capital Home Mortgage offers specialized Texas Renovation Home Mortgages for those looking to update older homes or renovate properties in desirable locations. We handle the complexities of construction and rehab loans, providing expert guidance throughout the entire renovation process. Partner with us to transform your existing home into your dream sanctuary with ease and support.

Texas Manufactured Purchase Loans

Texas Purchase Manufactured Home Loans

Capital Home Mortgage Texas specializes in financing Manufactured Homes, which are expertly built in factories and then transported to their permanent sites. These modern homes feature sophisticated designs and high-quality construction on durable steel chassis, offering quick and cost-effective housing options. Whether you’re looking for an affordable alternative or a customizable living space, Capital Home Mortgage Texas provides the flexibility and support needed to finance your ideal Manufactured Home.

Texas Purchase Mortgage Loans

Capital Home Mortgage Texas is a full-service mortgage lender offering a wide range of home loan options, including FHA, USDA, HUD 184 for Native Americans, VA for veterans, Jumbo for high-value homes, Conventional for experienced buyers, and Non-QM for alternative financing. Our dedicated team is committed to guiding Texans through every step of the home financing process, ensuring you find the ideal mortgage solution to achieve your homeownership goals.

Texas FHA Purchase Home Loans

Texas VA Purchase Home Loans

TExas USDA Purchase home loans

TExas HUD184 Purchase Home loans

Texas FHA Purchase Loans

Texas FHA Purchase Home Loans

Capital Home Mortgage offers Texas FHA Purchase Home Mortgages tailored for low-to-moderate-income and first-time homebuyers. These FHA loans feature low down payments, flexible credit requirements, and allow the use of gift funds. With requirements including consistent employment and documented income, our FHA loans make homeownership accessible and manageable for a wide range of applicants.

Texas VA Purchase Loans

Texas VA Purchase Home Loans

Capital Home Mortgage Texas offers Texas VA Purchase Home Mortgages for qualified veterans, active-duty service members, and select surviving spouses. Guaranteed by the U.S. Department of Veterans Affairs, these loans feature no down payment and no PMI, along with competitive interest rates and flexible credit standards. Our VA home loans provide accessible and favorable financing options, supporting you in achieving your homeownership goals with ease and honor.

Texas USDA Purchase Loans

Texas USDA Purchase Home Loans

Capital Home Mortgage Texas offers Texas USDA Purchase Home Mortgages, a zero-down option for low-to-moderate-income buyers. These loans are available as USDA-Guaranteed through private lenders or USDA-Direct directly from the USDA. Eligibility requires the home to be in an approved rural area and household income below 115% of the local median for Guaranteed Loans. Let Capital Home Mortgage Texas help you navigate and secure the ideal USDA loan to achieve affordable rural homeownership.

Texas HUD 184 Purchase Loans

Texas Native American PURCHASE Home Loans

Capital Home Mortgage Texas offers Texas Native American Purchase Home Mortgages (HUD Section 184 Home Loans) exclusively for registered Texas Native Americans. These government-backed loans feature easier credit qualifications, access to tribal grants, and the ability to finance home renovations alongside the purchase. Our dedicated team is here to support you in achieving affordable and tailored homeownership solutions.

Texas Conventional Purchase Home Loans

Texas Jumbo Purchase Home Loans

Texas Non Qualified Purchase home loans

Texas conventional Purchase Loans

Texas Conventional PURCHASE home loans

Capital Home Mortgage offers Texas Conventional Purchase Home Mortgages, also known as conforming loans, which comply with Fannie Mae and Freddie Mac standards. These versatile loans are suitable for primary residences, secondary homes, and investment properties. Eligibility requires a minimum credit score of 620, stable income, and a down payment. With loan limits updated annually based on local median prices, our conventional mortgages provide competitive rates and flexible terms to support both first-time buyers and experienced investors in achieving their homeownership goals.

Texas jumbo Purchase Loans

Texas Jumbo PURCHASE Home Loans

Capital Home Mortgage Texas offers Texas Jumbo Purchase Home Mortgages for loan amounts exceeding conventional limits, ideal for luxury properties. Available with fixed or adjustable rates, jumbo loans provide up to $3,000,000 in financing at 90% loan-to-value with no PMI. These flexible and competitive loans cater to buyers looking to finance high-value properties.

Texas Non QM Purchase Loans

Texas Non-Qualified PURCHASE Home Loans

Capital Home Mortgage provides Texas Non-Qualified Purchase Home Mortgages (Non-QM loans) for borrowers who don’t meet traditional mortgage standards, such as those with irregular income or high debt-to-income ratios. These flexible loans offer an alternative to qualified mortgages, providing personalized financing solutions for unique financial situations.

Texas Home Purchase Loans

Primary, Secondary, Investment
FHA, VA, USDA, Native American
Conventional, Jumbo, Non QM
Reverse, Renovation, Manufactured

Texas fixed rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

Texas Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment. ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Texas Purchase Mortgage Rates

Why Texas HomeBuyers are 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

Texas Mortgage Company Reviews

Texas Mortgage Team

Dale Gremillion

Sr Loan Officer

NMLS #210325

Conor Hayhurst

Branch Manager

NMLS #743506

Amanda Ravello

Sr Loan Officer

NMLS #1702894

Texas Mortgage Programs

Texas Purchase loans

Looking to Purchase a Texas 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

Texas Renovation Home Loans

Looking to Rehab a Texas 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

Texas FHA Home loans

Great 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 Payments
Flexible Underwriting Guidelines
Higher Debt to Income Allowed
Lower Credit Scores – Down to 500
Down Payment Gifts Allowed

Texas va Home Loans

100% Financing for Texas 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

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
Single and Multi-Family Properties
Variable Mortgage Insurance Options
Low Rates & a Variety of Terms
Renovation Programs Available

Texas Jumbo Home Loans

Texas Non-Confirming 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

Texas USDA Home loans

100% Texas Rural 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

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
Purchase, Refinance, and Renovation

Texas Manufactured Home loans

Great Texas 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

Texas Reverse Mortgage Loans

Your Home Texas 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

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, Refinance & Cash-out
Primary, Secondary, Investment
Full Doc Programs
Alt Doc Programs
Corporations OK

Texas One Time Close Home Loans

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 Residences Only
One Time Close
Lock Rate at Closing
Traditional Final Mortgages
No Payments During Construction

Texas Refinance Mortgage loans

Texas 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

Texas Cashout Mortgage Loans

Texas 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

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

Mcallen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans