Capital Home Mortgage Wichita Falls

Wichita Falls Home Loans

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Wichita Falls Mortgage Lender

Home Loans In Wichita Falls, Texas

Welcome to Capital Home Mortgage – Wichita Falls. Wichita Falls is the 38th-most populous city in Texas. It is home to Sheppard Air Force Base, its largest technical training wing, and the Euro-NATO Joint Jet Pilot Training program.

The real estate market in Wichita Falls is somewhat competitive. Home appreciation is up 19.7% in the last 12 months, compared to home appreciation over the previous 10 years, only 6.2%.

Making the transition from renting to owning a home is easily one of the most exhilarating decisions you’ll make in your life. Homeownership is something that many people dream of, and to be in a situation where you feel financially capable of pursuing that dream is a huge accomplishment. It’s not only something to be proud of but also an excellent investment for you and your family.

A Step-by-Step Guide To Buying A Home For First-Time Homebuyers

As excited as you are to purchase your first home finally, it’s essential to take things in stride and make sure you’re making the best decisions. Here are a few crucial tips for first-time homebuyers to keep in mind.

1. Educate yourself and determine what you can afford.

Buying a home will probably be one of the most expensive purchases of your life, so it’s only fitting that you learn as much as you can about it before taking the plunge. First of all, you’ll need to understand the importance of your credit score and how it affects your home buying experience. You’ll also need to determine how much you can realistically afford based on your current income and financial status. 

There are homebuyer’s education classes and a wealth of information online to help you better grasp the home buying process and make sound decisions that may save you thousands of dollars.

2. Explore down payment assistance and first-time homebuyer programs.

As you move forward in the homebuying process, you’ll find out that there are several loan options exclusively for first-time homebuyers.

The government offers special loans to those who have not bought a house before. Often, these programs include special incentives that remove some restrictions on home loans and reduce some of the costs associated with the purchase process. Some programs can help you save money both upfront and over the term of your mortgage.

3. Work with a reliable team of professionals.

Several professionals are involved in the home buying process: a real estate agent,  an attorney, a home inspector, and of course, your mortgage lender. 

The excellent team of real estate professionals can help you answer any questions and offer you guidance no matter what stage you are in your homeownership journey.

4. Get preapproved with a lender before looking for the right home.

Obtaining a pre-approval letter from a lender allows you to put in a serious offer on a home and shows your capacity to make the purchase.

Sellers and agents take offers from pre-approved buyers more seriously, which increases the likelihood of getting your offer accepted.

5. Close the loan and get the keys to your new house.

When you’ve finally found a property you wish to purchase, choose a lender that you feel confident and at ease with before signing anything. Ask as many questions as you need to feel comfortable with your lender, as they are there to serve your best interests.

After your home loan is approved and the details of your mortgage are sorted out, prepare all the fees and documents needed to close the loan where you’ll get the keys to your new home!

Wichita Falls, Texas Mortgage Lender

Wondering how to get a first-time homeowners loan? Let Capital Home Mortgage assist you in finding the best mortgage for first-time home buyers

As a direct mortgage lender in Texas, Capital Home Mortgage can provide a range of possibilities for first-time home buyers. Whether you want to pursue a traditional fixed-rate mortgage or looking to avail of government-insured home loans with low down-payment, we can make it happen for you! We have the resources to hook you up with a program that will benefit you for the long term.

We’re The Best Team For The Job

It can be challenging for first-time homebuyers to obtain a home loan. Still, our mortgage specialists at Capital Home Mortgage are experts at navigating the complexities of the home loan process. We’ve made homeownership possible for a lot of people, and we’d be happy to do the same for you too!

Call us at 800-860-4565 and speak with one of our Home Loan Specialists. We look forward to providing your Wichita Falls home loan. 

Why Wichita Falls Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Wichita Falls Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Wichita Falls Customer Service

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

Wichita Falls Mortgage Rates

Capital Home Mortgage is dedicated to offering Great Mortgage Rates.

Call Now to Speak with a Loan Officer or Request a no Obligation Rate Quote

Wichita Falls Mortgage Loans

Wichita Falls Home Purchase

Buying a Wichita Falls Home?

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

Wichita Falls Renovation Home Loans

Wichita Falls Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Wichita Falls FHA Home Loans

1st Time Wichita Falls Homebuyers

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

Wichita Falls VA Home Loans

100% Loans for Wichita Falls Veterans

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

Wichita Falls Conventional Home Loans

Flexibility for Wichita Falls Buyers

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

Wichita Falls Jumbo Home Loans

Great Wichita Falls Rates

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

Wichita Falls USDA Home Loans

Wichita Falls Rural Properties

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

Wichita Falls Native American Loans

Wichita Falls HUD 184 Loans

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

Wichita Falls Manufactured Home Loans

Wichita Falls Mobile Homes

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

Wichita Falls Reverse Mortgages

Your Wichita Falls Home at Work!

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

Wichita Falls Mortgage Refinance

Wichita Falls Cash-out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Debt Consolidation
  • Streamline Options Available

Wichita Falls Non Qualified Mortgage

Making Wichita Falls Mortgages Possible

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Wichita Falls Texas Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Kelly Cameron

Loan Officer
NMLS 178093

Kelvin Thompson

Loan Officer
NMLS 2050042

Jonathon Cummins

Loan Officer
NMLS 270657

Wichita Falls Mortgage Company Reviews

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