Home Loans In San Marcos, Texas

Welcome to Capital Home Mortgage San Marcos. San Marcos is a city founded on the banks of the San Marcos River. Thought to be among the oldest continuously inhabited site in the US, San Marcos is home to Texas State University and was listed in Business Week’s fourth annual survey of the “Best Places To Raise Your Kids.” It was named the fastest-growing city in the United States and “10 Most Exciting Small Cities in America.” 

According to Redfin, the real estate market in San Marcos is very competitive. Homes sold in 9 days on average in 2021, and prices were up 33.9% compared to the prior year, 2020.

Are you looking to buy a home in San Marcos? Buying a home can be challenging, especially if you’re a first-time homebuyer. Fortunately, you would not have to go through it alone. Various housing professionals are committed to assisting you throughout the entire homeownership journey. 

Key Players In The Homebuying Process

From the time you check out properties for sale to the moment you receive the keys, there are professionals to guide you and ensure that each step of the process goes as smoothly as possible.

1. Real Estate Agent

One of the very first people you’ll deal with on your journey to homeownership, your real estate agent will assist you in finding your dream home. 

Real estate agents have access to a portfolio of properties for sale in a given area. They can locate homes that fit your requirements or in your preferred neighborhoods. Apart from these, real estate agents also initiate contact with the sellers or deal with their agents and help you make a compelling offer for the property. They can use their expertise and experience to expedite the entire process so that you can move in as soon as possible.

2. Loan Officer

Once you’ve found the perfect home for you, the next step is to find a way to finance the purchase. Here is where the loan officer enters the picture. A loan

A loan officer represents a mortgage lender and guides you through the mortgage application process. They can answer all of your mortgage-related questions, including which loans you qualify for, your total mortgage monthly payments, etc.

3. Underwriter

The underwriter is responsible for examining your financial situation and determining if you can afford your mortgage. It is their responsibility to ascertain whether you can consistently make your payments or not. If they think that the risk is too high for the lender to take, they may deny your mortgage application or require a larger down payment.

4. Appraiser

Have you ever considered purchasing a product and wondered if it genuinely justifies the asking price? That’s what an appraiser does.  

An appraiser is an entirely objective, third-party individual who evaluates your home to determine whether it is truly worth the price you’re going to pay for it. If they discover a disparity between the home’s value and its sale price, they may adjust the property’s value.

5. Title Company

Once the financing is sorted out and approved, the final step is to officially transfer the home’s title to you. The title agency conducts due diligence on the property to ensure legal sale. 

After confirming the property is unencumbered, the title agency will then supervise the closing process, manage the official documentation of the sale, and process the title.

6. Loan Servicer

After coordinating with all of the individuals listed above, the home is officially yours. Your loan servicer will be your primary contact for all mortgage-related updates and information from this point forward. They can answer any questions you may have about your mortgage, including payments, payoffs, and other general inquiries.

San Marcos, Texas Mortgage Lender

Are you looking to buy a new home in San Marcos? You’ve come to the right place!

Capital Home Mortgage offers a variety of mortgage products, including FHA loans, VA loans, USDA loans, conventional conforming loans, jumbo loans, and non-qualified mortgage loans.

We are a direct mortgage lender in Texas, which means complete control over the entire lending process. Our streamlined workflow lets us offer our clients competitive rates, transparent fees, and a stress-free home-buying experience.

Why Capital Home Mortgage

Purchasing a home is a lengthy and sometimes perplexing process. At Capital Home Mortgage, though, we make things simple. 

Our team of professionals has extensive experience in guiding home buyers and helping them navigate the numerous people and processes involved in buying a home. We go above and beyond to provide excellent service and ensure that your home buying experience is as pleasant and convenient as it can be.

Contact us at 512-237-7400 and speak with one of our industry experts to learn more about the numerous home loan services we offer. We appreciate your interest and are looking forward to providing your next San Marcos home loan.