Capital Home Mortgage San Antonio

San Antonio Home Loans

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San Antonio Texas Mortgage Lender

Home Loans In San Antonio, TX

Buying a home is one of life’s most significant events. For many, it is the most crucial financial choice they will ever make. A home loan not only allows you to buy a home for yourself or your family, but it is also an essential element of your financial security. When the value of your home rises, your net worth increases as well. A lot of homeowners will later remortgage their property to obtain much-needed cash.

Different Types of Home Loans

Unless you have hundreds of thousands of dollars lying idle in the bank, it will likely take you years of dreaming, saving, financial planning, and preparation before you can afford to buy your own home. 

Nothing can compare to the excitement of purchasing your first home. But before applying for a mortgage, you must adequately weigh the home loan options available to you to make sure you’re getting a good value for your hard-earned and hard-saved money.

  • Conventional Loans

Conventional loans are any home loan not offered or insured by the federal government. They are the most common type of home loan offered by banks, credit unions, mortgage companies, and other private lenders.

  • FHA-Insured Loans

FHA loans are government-insured mortgages. They assist individuals in purchasing and refinancing real estate with little or no down payment but at the cost of paying more insurance premiums.

  • VA Loans

Veterans Affairs (VA) loans are available only to veterans and their surviving spouses. They include benefits not offered by other programs, such as no down payment requirements.

  • Jumbo Loans

Jumbo loans are a type of loan that exceeds the conventional conforming loan ceiling. This type of home loan is perfect for those in the market for their dream home.

  • USDA Loans

USDA house loans, alternatively referred to as USDA Rural Development Guaranteed Housing Loans, are government-backed mortgage loans made to property owners in designated rural areas of the United States.

Fixed-Rate vs. Adjustable-Rate Mortgage

Another major decision you’ll have to make when taking out a home loan is getting a fixed-rate or an adjustable-rate mortgage.

  • Fixed-Rate Mortgage

Most borrowers prefer fixed-rate mortgages. Why? Because they provide a steady payment schedule throughout the loan’s tenure, which ranges from ten to thirty years. 

  • Adjustable-Rate Mortgage

Annual percentage rates on adjustable-rate mortgages fluctuate. They’re an excellent choice for homebuyers who intend to sell or refinance within five to ten years, as the initial house mortgage interest rates are reasonably modest.

San Antonio, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage company that offers a comprehensive range of mortgage products, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 Native American home loans.

Capital Home Mortgage is committed to excellence in all areas of our business. We offer our clients fewer costs and lower rates while ensuring an exceptional level of service suited to their specific needs. 

As a direct San Antonio Mortgage Lender, Capital Home Mortgage controls the loan process from start to finish. This means from application to funding we make every decision. Our in-house processing and underwriting allow for quick make sense approvals and on-time closings. Capital Home Mortgage is a full-service San Antonio Mortgage Company providing a complete line of home loan products along with great San Antonio Mortgage Rates.

Are you in the market for a new home in San Antonio, TX?

You can count on our mortgage professionals to provide you with dependable, candid advice on all matters about mortgages and make the entire process easier and more convenient for you. 

We’ve established an excellent reputation helping homeowners in Texas and are eager to put our skills to work for you.

Please feel free to call us at 210-634-1225 to get started on your path to homeownership!

Why San Antonio Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great San Antonio Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

San Antonio Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

San Antonio Mortgage Rates

Capital Home Mortgage San Antonio is dedicated to offering Low San Antonio Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage San Antonio Texas Mortgage Team

Dale Gremillion

NMLS 210325
Managing Director

Kelvin Thompson

NMLS 2050042
Loan Officer

Nick Underwood

NMLS 264147
Loan Officer

Cristina Roca

NMLS 1926089
Loan Officer

San Antonio Mortgage Programs

San Antonio Home Purchase

Buying A New San Antonio Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Renovation, Manufactured

San Antonio Mortgage Refinance

San Antonio Refinance & Save?

  • Save Money Today
  • Lower Monthly Payments
  • Reduce the Mortgage Term
  • Streamline Options Available

San Antonio FHA Home Loans

San Antonio 1st Time Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

San Antonio VA Home Loans

100% Financing for San Antonio Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

San Antonio Conventional Loans

Easy Qualifying for San Antonio Buyers

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

San Antonio USDA Home Loans

100% Loans for San Antonio Rural Homes

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes Allowed
  • Closing Costs Can Be Rolled In

San Antonio Jumbo Home Loans

Great San Antonio Mortgage Rates

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

San Antonio Reverse Mortgages

Your San Antonio Home at Work!

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • Credit Scores Not Applicable
  • Minimum Age 62

San Antonio Native American Loans

Helping San Antonio Native Americans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

San Antonio Manufactured Home Loans

San Antonio Manufactured Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans
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