Capital Home Mortgage Utah

Utah Home Loans

Home Purchase
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Utah Mortgage Lender

Welcome to Capital Home Mortgage Utah. 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.  After all, buying a home should be exciting, not stressful. As a direct Utah Mortgage Lender Capital Home Mortgage controls the loan process from start to finish. This means from application to funding we make every decision. Our in-house processing and underwriting allow for quick make sense approvals and on-time closings. Capital Home Mortgage is a full-service Utah Mortgage Company providing a complete line of home loan products along with great Utah Mortgage Rates.

Whether you are a first-time homebuyer looking at an Utah FHA Home Loan, active duty or retired veteran needing an Utah VA Home Loan, or a seasoned buyer with an Utah Conventional Home Loan we are here to help.

Thank you again for your interest in our services and we look forward to providing you next home loan.

Why Utah is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Utah Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Utah Customer Service

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

Utah 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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Utah Loan Programs

Utah Home Purchase

Buying an Utah Home?

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

Utah Renovation Home Loans

Utah Rehab Loans

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

Utah FHA Home Loans

1st Time Utah Homebuyers

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

Utah VA Home Loans

100% Loans for Utah Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Utah Conventional Home Loans

Flexibility for Utah Buyers

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

Utah Jumbo Home Loans

Great Utah Rates

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

Utah USDA Home Loans

Utah Rural Properties

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

Utah Native American Loans

Utah HUD 184 Loans

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

Utah Manufactured Home Loans

Utah Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Utah Reverse Mortgages

Your Utah Home at Work!

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

Utah Mortgage Refinance

Utah Cash-Out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Utah Non Qualified Mortgage

Making Utah Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Utah Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

Utah Mortgage Company Reviews