Capital Home Mortgage Stephenville

Stephenville Home Loans

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Mortgage Lender Stephenville Texas

Home Loans In Stephenville, Texas

Welcome to Capital Home Mortgage Stephenville. Uniquely located in rural Texas southwest of the Dallas-Fort Worth area, the city of Stephenville, with over 20,000 friendly people, is a gracious community with a rich western heritage. The real estate market in Stephenville is so competitive it trended up 27.9% year-over-year with a median listing home price of $157 per square foot. One of the most significant factors influencing a person’s ability to buy a house is his credit score. A good look at your credit history will tell the lender how capable you handle debt. A good credit score will make the home-buying process much easier and more affordable; the higher your credit score, the better your home loan terms will be.

What Credit Score is Needed to Qualify for a Mortgage?

Your FICO credit score is between 300 and 850, indicating your creditworthiness. The higher your credit score, the more lenders will be interested in working with you.  While lenders prefer borrowers with higher credit ratings, obtaining a mortgage with less-than-ideal credit is still feasible. Credit score standards for government-backed loans are generally lower than most home loan options.
  • Credit Score Requirements for Conventional Loans

Conventional loans are not backed by a government program or guaranteed. They are ideal for consumers with better credit scores and plenty of funds set aside for a down payment.  A conventional loan may be your best option if your credit score is 620 or higher. If your credit score falls below 620, lenders may refuse to grant you a loan.
  • Credit Score Requirements for FHA Loans

If you have a low credit score or have little money saved for a down payment, consider exploring FHA loans, which are loans guaranteed by the Federal Housing Administration. A credit score of 580 is usually enough to qualify for an FHA loan. Having a higher credit score, on the other hand, may entitle you to a lower FHA mortgage rate.
  • Credit Score Requirements for VA Loans

If you are a veteran, a qualified service member, or a spouse of one, you may be able to purchase a home with the VA loan — a government-guaranteed loan by the Department of Veterans Affairs.  There is no minimum credit score requirement to qualify for a VA loan, but some lenders may have their qualification standards. Generally, lenders require a 620 score for all VA applicants.
  • Credit Score Requirements for USDA Loans

USDA loans are available to borrowers who wish to live in an eligible rural or suburban location with a household income lower than 115% of the area’s median income. The program requires no down payment and offers competitive interest rates, but you will need a credit score of at least 640 to qualify for a USDA loan.

How To Improve Your Credit Score

Now that you’ve understood the credit score requirements for various types of loans, it’s time to examine your credit report and see how you fare. If you’re looking to qualify for a loan, but your credit score isn’t quite there yet, you can take actionable steps to improve it by:
  1. Paying off your outstanding debts.
  2. Making bill payments on time.
  3. Avoid applying for additional credit.
  4. You may also enlist the help of a credit repair service for professional advice on how to improve your credit rating faster.

Stephenville, Texas Mortgage Lender

The thing is, you don’t always need a stellar credit history to obtain a mortgage. It is possible to qualify for a home loan with a credit score of 500.  Need to buy a home but are worried about your credit score? We can help! Capital Home Mortgage is a full-service mortgage lender offering a comprehensive array of home loan products, from government-backed loans to Conventional-conforming loans, Jumbo loans, and Non-Qualified mortgage loans. We are a direct mortgage lender in Texas, which means we control the entire home loan process from application to closing. 

We’re Ready To Work For You!

Are you planning to buy a home or refinance your mortgage in Stephenville, Texas? Call Capital Home Mortgage today at 254-730-7371. We offer a wide range of loan products to accommodate varying needs and budgets.

Our mortgage specialists can help you find the most suitable loan options.

Why Stephenville 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

STEPHENVILLE 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
Stephenville Mortgage Programs

Stephenville Home Purchase

Thinking of Buying a Stephenville 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

Stephenville renovation home loans

Looking to Rehab a Stephenville 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

Stephenville FHA Home Loans

Great for 1st Time Stephenville 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

Stephenville VA Home Loans

100% Financing for Stephenville 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

Stephenville Conventional Home Loans

Flexibility for Stephenville 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

Stephenville Jumbo Home Loans

Stephenville 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

Stephenville USDA Home Loans

100% Rural Stephenville 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

Stephenville Native American Home Loans

Stephenville 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

Stephenville Manufactured Home Loans

Great Alternative Stephenville Housing

Stephenville reverse mortgages

Your Stephenville 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

Stephenville Non QM Home Loans

Making Stephenville 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

Stephenville One Time Close Home Loans

Build Your Stephenville 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

Galveston Refinance Mortgage Loans

Stephenville 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

Stephenville Cash-out Home mortgages

Stephenville 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

STEPHENVILLE TExas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

STEPHENVILLE Mortgage Company Reviews

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