Capital Home Mortgage San Antonio

San Antonio home purchase loans

SAn Antonio Home Purchase 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 HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

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 Home Purchase Loans

Looking to Purchase a Home? We have the loan 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 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 Purchase Home Loans 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.

Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan 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

Texas renovation home loans

Looking to Rehab a Texas 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

Texas FHA Home Loans

Great for 1st Time Texas 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

Texas VA Home Loans

100% Financing for Texas 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

Texas Conventional Home Loans

Flexibility for Texas 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

Texas Jumbo Home Loans

Texas 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

Texas USDA Home Loans

100% Rural Texas 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

Texas Native American Home Loans

Texas 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

Texas Manufactured Home Loans

Great Alternative Texas 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

Texas reverse mortgages

Your Texas 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

Texas Non QM Home Loans

Making Texas 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

Texas One Time Close mortgages

Build Your Texas 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

Texas Refinance Mortgage Loans

Texas 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

Texas Cash-out Home mortgages

Texas 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

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

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