Capital Home Mortgage Waco

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Waco Texas Mortgage Lender

Home Loans in Waco, Texas

Waco, Texas – the place to stop for scores of shops and restaurants galore! Situated on the I-35 corridor between Dallas and Austin, the city was founded in 1849 by the Huaco Indians that lived on the land in the present-day downtown area. Waco is ranked among the top 10 emerging markets in the US.

You discovered a home in Waco, Texas, that meets your current and future needs. Suppose you’re like the majority of homebuyers. In that case, the next logical step is finding a mortgage lender willing to finance the purchase — and we’re here to educate you on the process and make the experience much more convenient.

The First Steps to Buying a Home in Waco, Texas

Mortgages are an unavoidable expense for the majority of aspiring homeowners. They help mitigate the high initial cost of homeownership by allowing you to pay for your new home over time. However, qualifying for and obtaining a mortgage is a complicated process that requires considerable thought and planning. While qualifying for a mortgage may initially appear daunting, planning increases your chances of getting the home of your dreams.

  • Pre-qualifying for A Home Loan

The first step is to pre-qualify for a mortgage. The financial institution will evaluate your financial situation, including your income, debt, and assets, to provide you with an estimate of the mortgage amount you can expect. 

Pre-qualification is simpler than it sounds, as it can usually be completed over the phone or via the Internet at no expense to you at all. It is, however, an important step in the mortgage process as it allows you to begin a discussion about your mortgage options and your financial situation.

  • Getting Pre-approved

Pre-approval is essentially confirmation from a lender that they are willing to lend you money. Getting pre-approved for a mortgage demonstrates to both you and the seller that you can afford the home, thereby increasing your purchasing power.

Unlike the pre-qualification process, pre-approval entails a more in-depth examination of your financial situation to ensure that you can afford your mortgage payments. The following are some of the documents you will be required to submit:

Documentation of personal information (driver’s license, Social Security number, marriage certificate — if applicable, contact information, and address)

Employment information (location and duration of your employment, recent pay stubs, and W-2 income tax forms for the last two years)

Monthly expenses, which include the bills you pay regularly.

Your overall financial situation (all bank accounts, investment accounts, assets, IRAs, and liabilities — such as credit card balances, student loans, or car loans).

Finding the Best Lender for You

Getting pre-approved by a lender is essential to getting your new home loan. As a direct mortgage lender and servicer Capital Home Mortgage offer a complete line of mortgage products for every mortgage need. 

Mortgage Lender In Waco, TX

Capital Home Mortgage is a full-service mortgage company that offers a diverse portfolio of mortgage products, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 Native American home loans.

We are a direct mortgage lender in Waco, TX, which means we manage the mortgage process from beginning to end; we have complete control, from application to funding.

Contact Us for A Hassle-Free Home Loan Experience!

Capital Home Mortgage is committed to the highest standards of excellence in all aspects of our business. We offer our clients lower costs and interest rates while maintaining an exceptional level of service that is tailored to their specific needs and requirements.

You can rely on our mortgage professionals to provide you with trustworthy, candid advice on all mortgage-related matters and to streamline and expedite the entire home loan and closing process to meet your timeline.

We’ve established a solid reputation in Texas for assisting homeowners and are eager to put our years of experience and knowledge of the industry at work to make homeownership a delightful journey for you.

Thank you again for your interest in our services and we look forward to providing you next Waco Mortgage Loan.

Why Waco is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Waco Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Waco Customer Service

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

Waco Mortgage Rates

Capital Home Mortgage Waco is dedicated to offering great Waco 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 Waco 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

Waco Mortgage Programs

Waco Home Purchase

Buying A New Waco Home?

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

Waco Mortgage Refinance

Waco Refinance & Save?

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

Waco FHA Home Loans

Great for Waco 1st Time Homebuyers

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

Waco VA Home Loans

100% Financing for Waco Veterans

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

Waco Conventional Loans

Easy Qualifying for Waco Buyers

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

Waco USDA Home Loans

100% Financing Waco Rural Properties

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

Waco Jumbo Home Loans

Great Waco Rates & Flexible Options

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

Waco Reverse Mortgages

Your Waco Home at Work!

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

Waco Native American Loans

Helping Waco Native Americans

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

Waco Manufactured Home Loans

Waco 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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