Capital Home Mortgage Amarillo

Amarillo Home Loans

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Amarillo Texas Mortgage Lender

Home Loans in Amarillo, Texas

Welcome to Capital Home Mortgage Amarillo. First, we want to thank you for the opportunity to earn your mortgage business.  We understand that purchasing a home is the biggest decision in most people’s lives and why Capital Home Mortgage provides dedicated points of contact throughout the entire loan process. This ensures a stress-free, smooth experience, finishing with an on-time closing.

Have you been itching to move recently? Whether you’ve outgrown your current space or are simply looking for a change of scenery, now is an excellent time to buy a home in Amarillo, TX.

With interest rates remaining at near-record lows and the pandemic drawing to a close, many people are in the market for homes and investment properties.

Step By Step Guide to Buying A Home

Purchasing a home is complicated and involves numerous moving parts. This guide — combined with the expertise of your real estate agent and mortgage lender — can assist you in navigating the process smoothly.  

By conducting due diligence in advance, you’ll have higher confidence in your decision and look forward to receiving those coveted house keys on closing day.

Here’s a step-by-step guide to the homebuying process:

  1. Understand Why You Want to Buy A House.

Purchasing a home is a significant investment, so you must ask yourself repeatedly why you’re doing it and if your reasons are justifiable.  

If you’re unsure why you’re buying a house, don’t. You might end up regretting your decision sooner or later.

  1. Know Your Credit Score.

Checking your credit score will assist you in determining your financing options. Moreover, lenders use your credit score (among other things) to set the value of your loan and assess your ability to repay your mortgage. 

The better your credit history, the more likely you will be approved for financing with favorable terms and rates.

  1. Set A Budget.

Establishing a realistic budget for your new home will give you a better idea of what you can afford and the total cost of ownership.

Bear in mind that the purchase price is not the only consideration. All other expenses like closing costs, mortgage insurance, and repair/maintenance costs are taken into account.

  1. Save For The Down Payment.

To avoid paying private mortgage insurance, you must prepare a down payment of at least 20% of the home’s purchase price. 

Certain lenders offer mortgages without PMI that require lower down payments, but buyers should anticipate paying a higher interest rate.

  1. Shop For Mortgages/Lenders.

Preapproval for a mortgage is beneficial when making an offer on the house, as it gives you a clearer sense of how much you can afford.

To increase your chances of obtaining a low-interest rate, shop around and get quotes from at least three lenders.

  1. Work With A Real Estate Agent.

A knowledgeable real estate agent can save you time and money by assisting you in finding your dream home and negotiating with the seller on your behalf.

  1. Make An Offer.

Once you’ve found the right property, your real estate agent will assist you in preparing the offer package. You may also include a personal letter to the seller to differentiate your offer and make it stand out.

  1. Secure Your Financing.

The financing process can take between 21 and 30 days to complete, but delays can occur when buyers fail to respond to disclosures fast enough or cannot submit all required documents on time.

  1. Close On Your Home.

Once all contingencies have been satisfied, and the closing agent has given the “clear to close,” it’s time to finalize the sale.

Once payment is made, and all necessary paperwork is signed, the home is officially yours, and you will receive your house keys. 

Congratulations! You may now begin settling into your new residence!

Amarillo, TX Mortgage Lender

Capital Home Mortgage is a full-service mortgage company offering a broad range of mortgage products, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 Native American home loans.

As a direct mortgage lender in Amarillo, TX, we manage the loan process from beginning to end. This means that we are in charge of every decision from application to funding. 

Capital Home Mortgage is dedicated to excellence in every aspect of our business. We provide our clients with lower costs and interest rates while still delivering an exceptional level of service tailored to our client’s individual needs and requirements.

We Make Home Loans Easy

You can trust our mortgage professionals to provide you with reliable, candid advice on all matters about mortgages and to simplify and expedite the entire process.

We’ve built a solid reputation for helping homeowners in Texas and are keen to put our expertise to work for you.

Why Amarillo Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Amarillo Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Amarillo Customer Service

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

Amarillo Mortgage Rates

Capital Home Mortgage Amarillo is dedicated to offering great Amarillo Mortgage Rates and Low Fees all while providing exceptional customer service.  Our mortgage professionals are focused solely on home mortgage lending to make your experience smooth with an on time closing.  Call today to speak with a mortgage officer or request a no obligation quick rate quote.

Capital Home Mortgage Amarillo Texas Mortgage Team

Dale Gremillion

NMLS 210325
Managing Director

Kelvin Thompson

NMLS 2050042
Loan Officer

Nick Underwood

NMLS 264147
Loan Officer

Cristina Roca

NMLS 1926089
Loan Officer

Amarillo Mortgage Programs

Amarillo Home Purchase

Buying A New Amarillo Home?

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

Amarillo Mortgage Refinance

Amarillo Refinance & Save?

  • Save Money Today
  • Lower Monthly Payments
  • Reduce the Mortgage Term
  • Streamline Options Available

Amarillo FHA Home Loans

Amarillo 1st Time Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500

Amarillo VA Home Loans

100% Financing for Amarillo Veterans

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

Amarillo Conventional Loans

Easy Qualifying for Amarillo Buyers

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

Amarillo USDA Home Loans

100% Financing Amarillo Rural Homes

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

Amarillo Jumbo Home Loans

Great Amarillo Rates & Flexible Options

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

Amarillo Reverse Mortgages

Your Amarillo Home at Work!

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

Amarillo Native American Loans

Helping Amarillo Native Americans

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

Amarillo Manufactured Home Loans

Amarillo Manufactured Homes

  • Existing Purchase or Refinance
  • One Time Close Combo Land & Home
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans
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