Capital Home Mortgage

VA Home Loans

VA Mortgage Lender

Welcome to Capital Home Mortgage. Are you wondering about VA Home Loans, VA Mortgage Rates and if you should use your Veteran Loan? We can help you understand the advantages of a VA Home Mortgage and if it is the right time to use your VA benefit for the current mortgage loan. Capital Home Mortgage is a direct VA Mortgage Lender, which means Capital Home Mortgage has VA direct authority to underwrite and approve your home loan. This control of the loan process and loan approval allows for streamline operations resulting in a quick and stress-free experience.

Ready to get started? Call now and one of our VA mortgage professionals will answer your questions and walk you through the application and pre-approval. Thank you for allowing us the opportunity to provide your VA home financing needs.

Why HomeBuyers 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

Capital Home 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

VA Purchase Loans

Proudly Serving Active Duty, Retired and Disabled Veterans obtain homeownership. Call today to speak to a VA loan officer.

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

VA Refinance Loans

Proudly Serving Active Duty, Retired and Disabled Veterans to Save Money. Call today to speak to a VA loan officer.

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

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

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

Home Mortgage Programs

Home Purchase loans

Looking to Purchase a 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

Renovation Home Loans

Looking to Rehab a 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

FHA Home loans

Great 1st Time 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

va Home Loans

100% Financing for 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

Conventional Home loans

Flexibility for 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

Jumbo Home Loans

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

USDA Home loans

100% 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

Native american Home Loans

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

Manufactured Home loans

Great 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

Reverse Mortgage Loans

Your Home 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

Non QM Home loans

Making 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

One Time Close Home Loans

Build Your 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

Refinance Mortgage loans

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

Cashout Mortgage Loans

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

Capital Home Mortgage Company Reviews

State Specific Mortgage Information