Capital Home Mortgage San Antonio
San antonio Home Loans
Mortgage Lender San Antonio
Home Loans In San Antonio, TexasBuying 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 LoansUnless 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 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 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.
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 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 are 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 MortgageAnother 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.
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 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
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 Programs
San Antonio Home Purchase
Thinking of Buying a San Antonio 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
San Antonio renovation home loans
Looking to Rehab a San Antonio 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
San Antonio FHA Home Loans
Great for 1st Time San Antonio 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
San Antonio VA Home Loans
100% Financing for San Antonio 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
San Antonio Conventional Home Loans
Flexibility for San Antonio 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
San Antonio Jumbo Home Loans
San Antonio 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
San Antonio USDA Home Loans
100% Rural San Antonio 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
San Antonio Native American Home Loans
San Antonio 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
San Antonio Manufactured Home Loans
Great Alternative San Antonio 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
San Antonio reverse mortgages
Your San Antonio 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
San Antonio Non QM Home Loans
Making San Antonio 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
San Antonio One Time Close Home Loans
Build Your San Antonio 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
San Antonio Refinance Mortgage Loans
San Antonio 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
San Antonio Cash-out Home mortgages
San Antonio 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