Capital Home Mortgage Texas

Texas VA Home Loans

Texas Va Mortgage Lender

Welcome to Capital Home Mortgage Texas, where we strive to provide Texas Veteran homebuyers and homeowners Texas VA Home Loans at competitive Texas VA Mortgages Rates with low fees while ensuring outstanding customer service.

First, we’d like to thank you for your service and we are honored that you have given us the opportunity to earn your business.  We understand that purchasing a home with your Texas VA Home Loan is an important decision.  Whether you have used your VA entitlement before or this is your first time we will walk you through the VA loan process from beginning to end. Capital Home Mortgage Texas offers dedicated VA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing.  After all, buying a home with your VA Benefit should be exciting, you have earned it.

Capital Home Mortgage Texas is a direct Texas VA Mortgage Lender that manages the entire lending process.  Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.  As a direct VA endorser we have complete control over everything from the application to the funding.

Call today (800) 960-4565 to talk to one of our Texas VA Loan Officers.

Texas Miltary Presence

Texas is home to several military bases and installations across various branches of the United States Armed Forces.  These installations play a vital role in national defense and contribute to the state’s economy and communities.

Fort Hood:  Located near Killeen in central Texas, Fort Hood is one of the largest military installations in the world. It is home to the U.S. Army’s III Corps, the 1st Cavalry Division, and the 13th Expeditionary Sustainment Command, among other units. Fort Hood supports a diverse range of training, readiness, and operational missions.

Fort Bliss:  Situated in El Paso near the Texas-Mexico border, Fort Bliss is another significant U.S. Army installation. It serves as the headquarters for the U.S. Army’s 1st Armored Division and is home to other units, including the 32nd Army Air and Missile Defense Command. Fort Bliss is a major center for artillery training and testing.

Joint Base San Antonio (JBSA):  Joint Base San Antonio is a consolidation of several military installations in the San Antonio area, including Randolph Air Force Base, Lackland Air Force Base, and Fort Sam Houston.  JBSA is one of the largest military installations in the United States and supports a wide range of Air Force, Army, Navy, Marine Corps, and Coast Guard missions, including training, medical services, and cyber operations.

Naval Air Station Corpus Christi:  Located in Corpus Christi on the Gulf Coast, Naval Air Station Corpus Christi is a primary training base for Navy and Marine Corps aviators. It hosts the Corpus Christi Army Depot and supports helicopter training, search and rescue operations, and maritime patrol missions.

Naval Air Station Joint Reserve Base Fort Worth:  Situated in Fort Worth, this installation is a joint reserve base that hosts units from the Navy, Marine Corps, Air Force, and Texas Air National Guard.  It supports training, maintenance, and logistical operations for various aircraft and missions.

Sheppard Air Force Base:  Located near Wichita Falls in northern Texas, Sheppard Air Force Base is one of the Air Force’s largest technical training bases. It provides specialized training for airmen in fields such as aircraft maintenance, logistics, and medical services.

Coast Guard Sector Houston-Galveston:  This Coast Guard sector oversees maritime safety, security, and law enforcement operations along the Texas Gulf Coast, including the ports of Houston and Galveston.  It coordinates search and rescue missions, maritime patrols, and environmental protection efforts.

These are just a few examples of the military bases and presence in Texas.  The state’s strategic location, diverse terrain, and extensive infrastructure make it a critical hub for military operations, training, and support activities.

What is a Texas Va Home Loan?

Texas VA Home Loans are for active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses.  

VA stands for “Veterans Administration”, which oversees all Veteran benefits including home loans. Established in 1944 and part of the GI Bill or Rights.  VA set out to help men and women who served their country catch up to their civilian counterparts by establishing credit and building financial wealth. 

It’s important to understand that VA does not lend money, VA instead provides lenders a guarantee that covers the lender from loss in the event of foreclosures.  

In simple terms VA insures a portion of the loan that the buyer  would have normally had to put down to qualify allowing for a zero down payment. VA loans require an upfront mortgage insurance fee, which can be financed into the loan, from each borrower.  This fee supports the guarantee fund and makes the 100% VA home loan possible.  Veterans with a minimum of 10% disability are exempt from the funding fee.

Texas does offer specific options for Texas Veterans in the form of reduces property taxes according to the amount of disability the Veteran has including up to 100% elimination of property taxes for those veterans that are 100% disabled.

Texas VA Eligibility

The Texas VA Home Loan can be used for a home purchase, a streamline interest rate reduction refinance, or a cash-out refinance or mortgage conversion from another type of mortgage to a VA mortgage.  To be eligible you must meet one of the following criteria.
  • Active Duty – 90 days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service related Disability

Texas VA Purchase Loan

Capital Home Mortgage Texas is proud to serve Texans Veterans in obtaining home ownership in Texas. The benefits of a Texas VA Home Loan Purchase are many.  Contact one of our Texas VA Loan Officer to discuss all the benefits and  options.  Thank you again for you service!

Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership. 

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Seller concessions to 4%
  • higher debt to income Allowed
  • Manufactured homes permitted

Texas VA "IRRRL" StreamLine REfinance Loan

Texas VA IRRRL Streamline Refinance Mortgage

Capital Home Mortgage Texas is proud to serve Texans Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan. 
Contact our Texas VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments.  Thank you again for you service!

Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.

  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification

Texas VA Refinance Cash Out Conversion Loan

Texas VA Refinance Cash Out Conversion Mortgage

Capital Home Mortgage Texas is proud to serve Texans Veterans in converting their current mortgage program over to a Texas VA Home Mortgage and enjoy the many benefits of a VA home loan.  Contact our Texas VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments.  Thank you again for you service!

Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments. 

  • Cash-Out or Loan Conversion
  • Full Documentation
  • Appraisal Required
  • Income Verification Required

TExas Va 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
Why TEXAS veterans 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

Texas Mortgage Company Reviews

Texas Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Texas Mortgage Programs

Texas Purchase loans

Looking to Purchase a Texas 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

Texas Renovation Home Loans

Looking to Rehab a Texas 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

Texas FHA Home loans

Great 1st Time Texas 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

Texas va Home Loans

100% Financing for Texas 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

Texas Conventional Home loans

Flexibility for Texas 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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Texas Jumbo Home Loans

Texas Non-Confirming 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

Texas USDA Home loans

100% Texas Rural 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

Texas Native american Home Loans

Texas 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

Texas Manufactured Home loans

Great Texas 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

Texas Reverse Mortgage Loans

Your Home Texas 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

Texas Non QM Home loans

Making Texas 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 Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Texas One Time Close Home Loans

Build Your Texas 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

Texas Refinance Mortgage loans

Texas 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

Texas Cashout Mortgage Loans

Texas 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

Texas Cities

Houston Home Loans

San Antonio Home Loans

Dallas Home Loans

Austin Home Loans

Fort Worth Home Loans

El Paso Home Loans

Corpus Christi Home Loans

Laredo Home Loans

Lubbock Home Loans

Amarillo Home Loans

Brownsville Home Loans

Killeen Home Loans

Midland Home Loans

Waco Home Loans

Odessa Home Loans

Abilene Home Loans

College Station Home Loans

Beaumont Home Loans

Wichita Falls Home Loans

San Angelo Home Loans

San Marcos Home Loans

Galveston Home Loans

Tyler Home Loans

Mcallen Home Loans

Stephenville Home Loans

Texarkana Home Loans

Round Rock Home Loans

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