Capital Home Mortgage Round rock
Round Rock Home Loans
Round Rock Mortgage Lender
Home Loans In Round Rock, TexasWelcome 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 RequirementWhen 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 ProgramsOrganizations may sponsor down payment assistance programs, including your local or state housing authority or a nonprofit organization. Typically, they take the form of:
0% Interest Forgivable Loans –
0% Interest Deferred-Payment Loans –
Low-Interest Loans –
Matched Savings Programs –
Down Payment Assistance EligibilityTo 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 LenderAt 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 AccessibleCapital 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 and Low Fees
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
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
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