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
- 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
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
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 Mortgage Payment
Texas Mortgage Company Reviews
Texas Mortgage Team
Texas Mortgage Programs
Texas Purchase loans
Looking to Purchase a Texas Home?
- 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?
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Texas Cashout Mortgage Loans
Texas Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
