Texas Renovation Home Loans

No Obligation / No Credit Impact Mortgage REview

Texas RenoVation Mortgage Lender

Welcome to Capital Home Mortgage Texas, where we are committed to helping Texas homebuyers and homeowners access the best renovation home loan programs available. We offer a wide range of renovation mortgage options at competitive rates and with transparent fees, ensuring you get the financial solutions you need while experiencing exceptional customer service every step of the way. Whether you’re interested in a Texas Fannie Mae Homestyle Home Loan, a Freddie Mac Choice Home Loan, or a Texas FHA 203K Home Loan, we have a tailored solution to meet your unique renovation goals.

At Capital Home Mortgage Texas, we recognize that embarking on a home renovation is a significant and often complex journey. That’s why we offer the expertise of our dedicated Texas renovation specialists, who are with you from start to finish. From creating a budget to selecting the right renovation loan program and guiding you all the way through to a timely, smooth closing, our team is here to ensure your renovation process is seamless and stress-free.

Capital Home Mortgage Texas manages the entire loan process in-house as a direct lender, from application to funding and final construction draws. With our streamlined processing and underwriting, we can provide fast, common-sense approvals, allowing for timely closings that keep your project on track.

Reach out today at (800) 960-4565 to speak with one of our experienced Texas Renovation Loan Officers and take the first step toward turning your home renovation dreams into reality.

Texas renovation REhab Overview

Texas’s construction and renovation landscape is vibrant and rapidly evolving, driven by the state’s booming economy and growing population. As Texas continues attracting businesses and residents, the demand for new home construction and renovation projects has surged, making this sector a cornerstone of the state’s ongoing development.

With a substantial influx of new residents and a thriving economy, Texas is seeing increased interest in residential construction. The state’s relatively low cost of living and ample economic opportunities fuel the need for new homes. However, with a limited housing supply, many homeowners invest in renovations and remodeling to enhance their properties. Popular projects include kitchen and bathroom upgrades, room expansions, and energy-efficient enhancements, as many Texans are purchasing older homes to modernize them.

Sustainability also plays a larger role in Texas’s construction and renovation industry. Builders and developers embrace eco-friendly and energy-efficient construction practices as environmental concerns grow. Green building methods are becoming the standard, not only to meet environmental standards but also to address Texas’s unique climate considerations. All construction and renovation projects must adhere to state and local building codes, ensuring that these developments meet safety and sustainability standards.

The construction industry in Texas also relies heavily on skilled labor to meet the increasing demand for projects. Contractors and construction companies face challenges in finding and retaining qualified workers, which has become a critical issue as the sector continues growing.

With the state’s expanding economy and heightened demand for both new builds and home renovations, Texas’s construction industry remains a dynamic force, offering vast opportunities for development and innovation.

Texas REnovation Home Loans

Capital Home Mortgage Texas provides a full range of home renovation mortgage programs designed to transform older homes into your dream space. Let our Texas Renovation Specialists guide you every step of the way. Call today and turn that fixer-upper into your perfect home!

Texas Fannie Mae Homestyle Mortgage
  • 95% LTV Primary Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Purchase & Refinance
  • As Completed Values
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)
Texas Freddie Mac Choice Home Mortgage
  • 95% LTV Primary Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)
Texas FHA 203K Home Mortgage
  • Purchase & Refinance Options
  • Primary Residences Only
  • Single, Multi Family & Condo’s
  • As-Is Improved Renovated Value
  • 203K Streamline
  • Less < 35K, Cosmetic Repairs Only
  • 203K Full Rehab
  • Greater > 35K, No Restrictions

TExas renovation Mortgage Rates

Why TEXAS 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

Texas Mortgage Company Reviews
Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506
Shelly Gremillion

Shelly Gremillion

Production Manager
NMLS #296491
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

Accessibility Toolbar