Capital Home Mortgage San Antonio

San Antonio Home Loans

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San Antonio 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 is also an essential element of your financial security. When the value of your home rises, your net worth also increases. 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 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 ensure you’re getting a good value for your hard-earned and hard-saved money.

  • Conventional Loans

Conventional loans are home loans not offered or insured by the federal government. They are the most common 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

Alternatively referred to as USDA Rural Development Guaranteed Housing Loans, USDA house 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 and 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 dependable, candid advice on all mortgage matters and make the entire process easier and more convenient for you. 

We’ve established an excellent reputation for 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 is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great San Antonio Rates

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

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

San Antonio Mortgage Loans

San Antonio Home Purchase

Buying a San Antonio Home?

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

San Antonio Renovation Home Loans

San Antonio Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

San Antonio FHA Home Loans

1st Time San Antonio Homebuyers

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

San Antonio VA Home Loans

100% Loans for San Antonio Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

San Antonio Conventional Home Loans

Flexibility for San Antonio Buyers

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

San Antonio Jumbo Home Loans

Great San Antonio Rates

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

San Antonio USDA Home Loans

San Antonio Rural Properties

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

San Antonio Native American Loans

San Antonio HUD 184 Loans

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

San Antonio Manufactured Home Loans

San Antonio Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

San Antonio Reverse Mortgages

Your San Antonio Home at Work!

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

San Antonio Mortgage Refinance

San Antonio Cash-Out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

San Antonio Non Qualified Mortgage

Making San Antonio Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

San Antonio Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

Chris Erwin

Loan Officer
NMLS 914064

Dale Gremillion

NMLS 210325

San Antonio Mortgage Company Reviews

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