Capital Home Mortgage Round rock

Round Rock Home Loans

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Round Rock Mortgage Lender

Home Loans In Round Rock, Texas

Welcome to Capital Home Mortgage Round Rock. Part of the Greater Austin metropolitan area, Round Rock is the seventh-best American small city to live in, according to Money magazine’s August 2008 publication. The real estate market in Round Rock trended up 43.1% year-over-year with an average per square footage of $221, which is very competitive. As exciting as being a homeowner might be, a lot of skepticism always accompanies it. And while it’s better to make the purchase when you feel 100% ready, there are circumstances where buying a home is a matter of urgency. 

Down Payment Requirement

When purchasing a property, you will typically be required to make an initial payment equivalent to a percentage of the home’s total purchase price. This is referred to as the down payment. Homebuyers, especially first-time homebuyers, often need help to achieve this amount. The required down payment amount varies according to the type of loan you apply for and other factors. And although there are mortgages that don’t require a down payment, not everybody can qualify for them. If zero-down-payment loans are not an option, applying for down payment assistance may help you fund your first home.

Do You Qualify As A First-Time Home Buyer?

Most government and charitable programs have stringent criteria for determining who qualifies as a first-time homebuyer.  A first-time home buyer is anybody who has not owned any interest in a real estate property in the last three years. There are different home loan programs, some specific to first-time home buyers.

Down Payment Assistance Programs

Organizations may sponsor down payment assistance programs, including your local or state housing authority or a nonprofit organization. Typically, they take the form of:
  • Grants – 

The grant is the most valuable type of down payment aid. This is because grant funds are considered “gifts,” and homeowners never have to repay them.
  • 0% Interest Forgivable Loans – 

Forgivable mortgage loans are second mortgages that do not need repayment as long as the borrower resides in the home for a specified number of years.
  • 0% Interest Deferred-Payment Loans – 

Deferred payment loans are also second mortgages you are not required to pay for until you move, sell, refinance your mortgage or finish paying your first loan.
  • Low-Interest Loans – 

Your lender (or another organization) may offer you the chance to obtain a second mortgage with your first simultaneously. The proceeds from this loan can be used to cover your down payment. Some lenders or organizations may offer these second loans to first-time homebuyers at no interest.
  • Matched Savings Programs – 

In a matched-savings program, a bank, government agency, or nonprofit organization, agrees to match whatever amount the homebuyer deposits into a specified account. The total funds can then be used as a down payment for the mortgage.

Down Payment Assistance Eligibility

To qualify for down payment assistance, you’ll typically need a credit score of at least 620 and an income that fulfills the program’s requirements. The majority of programs consider your debt-to-income ratio as well. Some programs may also require that: * The property is located in a particular area or location. * The homebuyer enrolls in a home-buying and financial education class. * The homebuyer occupies the home for a specific amount of time. The amount of down payment assistance you receive can vary according to the program. Specific programs offer a percentage of the home’s purchase, while others have a fixed monetary amount. When searching for programs to apply for, thoroughly examine their qualifications, whether the program is a grant or loan, and the amount of aid available. Additionally, you should ensure that your lender accepts the down payment assistance you apply for.

Round Rock, Texas Mortgage Lender

At Capital Home Mortgage, we work with many types of borrowers — from first-time homeowners to seasoned investors. We are a full-service Round Rock Mortgage Company providing a comprehensive selection of home loan options along with excellent mortgage rates.  Whether you are a first-time homebuyer interested in an FHA Home Loan, on active duty, a retired veteran in need of a VA Home Loan, or an experienced buyer seeking a conventional home loan in Round Rock, Texas, we got you covered!

Making Home Loans More Accessible

Capital Home Mortgage is a direct mortgage lender in Round Rock, Texas. This means that we manage the lending process from start to completion; we make all decisions, from application to funding. Our in-house processing and underwriting enable us to approve and close your mortgage without unnecessary delays.

We pride ourselves on offering our clients the best rates and a stress-free home-buying experience. Call us today to speak to one or our loan officers at 512-237-7400.

 
Why Round Rock HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Round Rock 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
Round Rock Mortgage Programs

Round Rock Home Purchase

Thinking of Buying a Round Rock 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, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Round Rock renovation home loans

Looking to Rehab a Round Rock Home?

Want 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

Round Rock FHA Home Loans

Great for 1st Time Round Rock 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

Round Rock VA Home Loans

100% Financing for Round Rock 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

Round Rock Conventional Home Loans

Flexibility for Round Rock 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

Round Rock Jumbo Home Loans

Round Rock 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

Round Rock USDA Home Loans

100% Rural Round Rock 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

Round Rock Native American Home Loans

Round Rock 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

Round Rock Manufactured Home Loans

Great Alternative Round Rock Housing

Round Rock reverse mortgages

Your Round Rock 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

Round Rock Non QM Home Loans

Making Round Rock 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

Round Rock One Time Close Home Loans

Build Your Round Rock 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

Round Rock Refinance Mortgage Loans

Round Rock 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

Round Rock Cash-out Home mortgages

Round Rock 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

Round Rock Texas Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

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