Capital Home Mortgage San Antonio

San Antonio Manufactured Home Loans

San Antonio Manufactured home Lender

San Antonio Manufactured Home Loans

The price of brand new homes can be too cost-prohibitive for low-income families and considerably expensive for moderate-income families. Prices also skyrocket due to the low inventory of houses in some areas. 

The good news is there are viable alternatives to brand-new homes. These are called manufactured homes. A manufactured home is a cost-efficient alternative if your income can’t cover monthly payments for a new home.

Capital Home Mortgage offers manufactured home loans to provide accessible financing options to Americans with low income. Let’s talk about some of the salient features of a manufactured home loan in San Antonio.

One-time Close Construction Loan

What we recommend at Capital Home Mortgage is a one-time close (OTC) construction loan. It combines the cost to buy the manufactured home and the cost of the in one loan. An OTC loan is convenient because you also own the land where you want the manufactured home constructed. 

Benefits of OTC for Manufactured Home Loans

As lenders, we think that an OTC loan is better for borrowers. It extends more savings and reduces the hassles of application. Here are the benefits of an OTC construction loan.

     1) Get one loan for two purchases

Traditionally, you must get two separate loans for the house and the lot. That only means that you have to go through the loan application process and pay for application fees twice. With an OTC construction loan, you’re just applying for one loan, but the loan proceeds can be used for two purposes.

     2) Single closing costs

Closing costs will always be an issue. Regardless of the amount, closing costs are unavoidable. OTC loans save you money because you don’t have to pay closing costs twice if you get two different loans. Since most lenders don’t allow closing costs to be refinanced through the loan, paying closing costs once in an OTC loan is a benefit.

     3) Single interest rate and one monthly amortization to worry about

Since you’re paying only one loan, you only have one monthly amortization. The interest rate is fixed for the chosen term. It’s easier to budget with an OTC loan. You’re paying double-digit monthly interest if you have two separate loans. It’s harder to allocate funds if monthly amortization consumes most of your monthly earnings.

Apply for a San Antonio Manufactured Home Loan

A manufactured home loan is a cost-effective housing solution for low-income families. Capital Home Mortgage offers manufactured home loans in San Antonio at competitive interest rates and low fees. Talk to our mortgage loan officers to learn more about this mortgage product and how it can help you get the home of your dreams.

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 & Low Fees

Exceptional 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 mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas 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

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

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

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Jordan Mowrey

Jordan Mowrey

SR Loan Officer
NMLS 210325

San Antonio Mortgage Company Reviews

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