Capital Home Mortgage San Marcos
San Marcos Home Loans
Mortgage Lender San Marcos
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 the “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? 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 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 preferred neighborhoods. Apart from these, real estate agents also initiate contact with the sellers and help you make a compelling offer for the property. They can use their expertise and experience to expedite the process so you can move in sooner.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 application process. They can answer 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. They are responsible for ascertaining whether you can consistently make your payments. If they think 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 will pay. They may adjust the property’s value if they discover a disparity between the home’s value and its sale price.5. Title Company
Once the financing is sorted out and approved, the final step is officially transferring the home’s title to you. The title agency conducts due diligence on the property to ensure a legal sale. After confirming the property is unencumbered, the title agency will supervise the closing process, manage the official documentation of the sale, and process the title.6. Loan Servicer
After coordinating with all the individuals listed above, the home is 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 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 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 professional team has extensive experience 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 possible. Contact us at 512-237-7400 and speak with one of our industry experts to learn more about our numerous home loan services. We appreciate your interest and are looking forward to providing your next San Marcos home loan.Why San Marcos 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 Payment
San Marcos Mortgage Programs
San Marcos Home Purchase loans
Looking to Purchase a San Marcos 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, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
San Marcos Renovation Home Loans
Looking to Rehab a San Marcos Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
San Marcos FHA Home loans
Great 1st Time San Marcos 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 Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
San Marcos va Home Loans
100% Financing for San Marcos Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
San Marcos Conventional Home loans
Flexibility for San Marcos 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
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
San Marcos Jumbo Home Loans
San Marcos Non-Conforming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
San Marcos USDA Home loans
100% Rural San Marcos 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.
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
San Marcos Native american Home Loans
San Marcos 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
- Purchase, Refinance, and Renovation
San Marcos Manufactured Home loans
Great San Marcos Alternative 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
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
San Marcos Reverse Mortgage Loans
Your San Marcos 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
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
San Marcos Non QM Home loans
Making San Marcos Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
San Marcos Construction Home Loans
Build Your San Marcos 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 Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
San Marcos Refinance Mortgage loans
San Marcos 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.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
San Marcos Cashout Mortgage Loans
San Marcos 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
- Dream Vacation
- Higher Education
