San Angelo FHA Mortgage Lender
Welcome to Capital Home Mortgage San Angelo, a San Angelo FHA Mortgage Lender, that strives to provide San Angelo homebuyers and homeowners San Angelo FHA Home Loans at competitive San Angelo FHA Mortgages Rates with low fees while ensuring outstanding customer service. Whether you are a first time home buyer, looking to purchase in the city or country, or a repeat buyer a San Angelo FHA Home Mortgage might be right for you. We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage San Angelo offers dedicated points of contact throughout the mortgage process. This assures a stress-free experience resulting with an on-time closing.
Capital Home Mortgage San Angelo is a direct San Angelo FHA Mortgage Lender that manages the entire lending process from beginning to end. Our in-house processing and underwriting enables for quick, common sense approvals and timely closings. We have complete control over everything from the application to the funding process.
Call today (325) 387-8387 to talk to one of our San Angelo Loan Officers.
San Angelo FHA Mortgage Rates
What is A San Angelo FHA Loan?
FHA stands for Federal Housing Administration has been helping American families secure housing since 1934. And this commitment to affordable homeownership lives to this day through the FHA home loan program, which plays an indispensable role in the country’s economy.
FHA home loans are a popular option for homebuyers in San Angelo and across the United States, particularly for those who may have lower credit scores or smaller down payments. FHA loan limits vary by county and are subject to change. These limits determine the maximum loan amount borrowers can qualify for based on the location of the property. Contact us today to find out your current FHA loan limits for San Angelo counties.
San Angelo FHA loans is that they typically require a lower down payment compared to conventional loans. The minimum down payment for an FHA loan is 3.5% of the home purchase price. San Angelo FHA loans are known for being more lenient with credit score requirements compared to some conventional loans. While there isn’t a specific minimum credit score required, borrowers with lower credit scores may still be eligible. Lenders may consider other factors, such as the borrower’s debt-to-income ratio.
FHA loans require mortgage insurance, which consists of both an upfront premium at the time of closing and an annual premium paid monthly. The mortgage insurance helps protect the lender in case the borrower defaults on the loan.
The property being financed with an FHA loan must meet certain standards set by the FHA. This includes basic safety and livability requirements. FHA appraisers will assess the property to ensure it meets these standards.
It’s important to note that loan terms and requirements can change, so its important to speak with a for the most up-to-date information on FHA home loans in San Angelo.
San Angelo FHA Purchase Loans

San Angelo FHA Loans are mortgage loans for 1st time homebuyers, buyers with limited credit, buyers with less than perfect credit and buyers with higher debt to income ratios. As the goal of FHA is to make homeownership more attainable, FHA underwriting guidelines are less strict than other mortgage loan programs. The FHA flexibility allows for easier loan qualification making the barrier to homeownership less challenging.
- Simple Qualifying
- Smaller Down Payment
- Seller Paid Closing Costs
- Flexible Underwriting
- Higher Debt to Income Ratios
- Lower Credit Scores Allowed
- Manufactured Housing OK
San Angelo FHA Refinance Loans

San Angelo FHA Loans offers a streamline refinances that simply reduces the interest rate and lowers the payment or shortens the term of the loan. This rate and term option can be fully documented loans, or can be reduced documentation. The other FHA option is a cash-out refinance allowing homeowners the ability to access the equity in the property.
FHA Standard Refinance
- Appraisal Required
- 97.75% Max Loan to Value
- Closing Costs Can Be Rolled In
- 80% Max Loan to for Cash-out
- Cash-out Option Available
- County Loan Limits Apply
FHA Streamline Refinance
- FHA to FHA
- No Income Qualification
- No Appraisal Required
- Closing Costs Cannot Be Rolled In
- No Lates on Mortgage in Last Year
- Payment Must Drop on Fixed Rates
San Angelo FHA Renovation Loans

San Angelo FHA offers both a Streamline and Full Rehabilitation Loans. This is a great option for 1st time San Angelo home buyers looking to purchase a home that needs a little TLC.
- 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
Apply for a San Angelo FHA Home Loan Now with Capital Home Mortgage San Angelo
Even with mortgage interest rates continuing to move, now is an excellent time to buy a home. Financing is possible with a San Angelo FHA Home Mortgage for most people even with a few bumps on the credit history. Our San Angelo FHA loan specialists at Capital Home mortgage can answer any questions and help you determine whether the FHA loan is the best choice. Call today (325) 387-8387 to talk to one of our San Angelo FHA Loan Officers.
Why San Angelo 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
San Angelo Mortgage Company Reviews
San Angelo Mortgage Team
San Angelo Mortgage Programs
San Angelo Home Purchase loans
Looking to Purchase a San Angelo Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
San Angelo Renovation Home Loans
Looking to Rehab a San Angelo Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
San Angelo FHA Home loans
Great 1st Time San Angelo Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
San Angelo va Home Loans
100% Financing for San Angelo Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
San Angelo Conventional Home loans
Flexibility for San Angelo Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
San Angelo Jumbo Home Loans
San Angelo Non-Conforming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
San Angelo USDA Home loans
100% Rural San Angelo Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
San Angelo Native american Home Loans
San Angelo Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
San Angelo Manufactured Home loans
Great San Angelo Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
San Angelo Reverse Mortgage Loans
Your San Angelo Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
San Angelo Non QM Home loans
Making San Angelo Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
San Angelo Construction Home Loans
Build Your San Angelo Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
San Angelo Refinance Mortgage loans
San Angelo Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
San Angelo Cashout Mortgage Loans
San Angelo Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education