Capital Home Mortgage San Antonio

San Antonio Home Purchase Loans

San Antonio Home Purchase Mortgage Lender

San Antonio Home Purchase Loans

Buying a home is a significant life achievement and investment, primarily because it will likely be your most expensive purchase ever. Like most homebuyers, you’ll probably need a home purchase loan to finance the deal. These loans let you spread out the price of the home over several years, so the payment is more convenient. 

If you need a home loan in San Antonio, you’ve come to the right place. At Capital Home Mortgage, we offer different mortgage products to help our clients purchase their dream homes.

Types of Home Purchase Loans

Capital Home Mortgage makes buying a home in San Antonio accessible to people. Here are the different home purchase loans that we offer to homebuyers:

  • FHA Home Loans

An FHA home loan is regarded as a debtor-friendly mortgage program because it can accommodate borrowers with low credit scores. Choose an FHA loan if you don’t have a stellar credit history or a sizable down payment.

  • VA Home Loans

VA loans are unique mortgage programs for military service members. If you’re a veteran, a veteran’s surviving spouse, or a current service member, you can get a VA loan if you satisfy the minimum service requirements set by the VA.

  • Conventional Home Loans

Do you have above average credit score and a down payment? You can get a Conventional loan instead. With this kind of loan, you can get lower interest rates if you have a stable income, employment, and good credit history.

  • Manufactured Home Loans

Is buying a brand-new home in San Antonio out of budget? You can choose manufactured homes as a more affordable alternative. Capital Home Mortgage offers a one-time close construction loan to purchase a manufactured home and the lot where it will stand.

  • Jumbo Home Loans

If you’re eyeing luxury properties like lakeside estates, you can opt for a Jumbo loan. This loan is intended for expensive and luxurious properties that don’t conform with conforming loan limits.

  • Renovation Home Loans

Are you planning to fix that roof or make your home energy efficient? Capital Home Mortgage can help you finance your renovation with renovation home loans. We offer standard and limited FHA 203(k) depending on your needs.

  • Reverse Mortgage

If your net worth is tied to your property, you can enjoy its value through a reverse mortgage. Reverse mortgages are great for seniors who want additional cash flow during retirement.

  • Rate & Term Refinance

Are you looking for interest savings or speeding up payments? You can get a rate & term refinance to get a lower interest rate or to reduce the loan duration.

  • Cash-out Refinance Loans

Another way to refinance your mortgage is through cash-out refinancing. You borrow against your home’s equity, pay off the unpaid amount, and get cash from the remaining proceeds.

  • Non-Qualified Mortgages

Have trouble complying with minimum standards? Non-qualified mortgages are intended for borrowers who cannot qualify for a conventional or conforming loan.

Get a Home Purchase Loan in San Antonio 

Make home buying in San Antonio an enjoyable experience. Talk to our mortgage loan officers today to learn about our home loan products. As a direct mortgage lender, we handle all loan applications from start to finish, so our processes are generally more straightforward. We also offer competitive interest rates in the San Antonio area. 

Call us now at (210) 634-1225 to get started. 

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 Home Purchase Loans

San Antonio Fixed Rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

San Antonio Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Home Purchase Program Lender

San Antonio Fixed Rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

San Antonio Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Not Sure? Learn More About Other San Antonio Purchase Programs
San Antonio Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

San Antonio Mortgage Company Reviews

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

McAllen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans