Capital Home Mortgage San Marcos

San Marcos Home Loans

Home Purchase
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San Marcos Mortgage Lender

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 is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great San Marcos Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

San Marcos Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

San Marcos 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 Marcos Mortgage Loans

San Marcos Home Purchase

Buying a San Marcos Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

San Marcos Renovation Home Loans

San Marcos Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

San Marcos FHA Home Loans

1st Time San Marcos Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

San Marcos VA Home Loans

100% Loans for San Marcos Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

San Marcos Conventional Home Loans

Flexibility for San Marcos Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

San Marcos Jumbo Home Loans

Great San Marcos Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

San Marcos USDA Home Loans

San Marcos Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

San Marcos Native American Loans

San Marcos HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

San Marcos Manufactured Home Loans

San Marcos Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

San Marcos Reverse Mortgages

Your San Marcos Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

San Marcos Mortgage Refinance

San Marcos Cash-Out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

San Marcos Non Qualified Mortgage

Making San Marcos Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

San Marcos 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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