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.
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.
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.
Looking into a San Antonio Home Purchase? Learn About Mortgage Options and Loan Programs.
TRU-Approval - No Financing Contingency Required...Compete with Cash Offers
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San Antonio Mortgage Rates
Capital Home Mortgage San Antonio is dedicated to offering Great San Antonio Mortgage Rates.
Call now to speak with a Loan Officer or request a no obligation custom rate quote.
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 also available with all mortgage products although are limited with FHA Home Mortgages, VA Home Mortgages and USDA Home Mortgages. ARM’s are great fit for home buyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment. ARM’s are also a product the offers a lower rate during times where fixed rates are demanding higher rates. An adjustable rate mortgage begins as fixed rate for a specific period of time then adjusts the rate on a predetermined time period and a predetermined amount based on financial index and a fixed margin.