Making Dreams Happen...
Thank you for visiting Capital Home Mortgage and for your interest in Valdosta Home Center. We are honored that your sales agent has entrusted us with the opportunity to provide your mortgage loan.Our goal is simple. To provide a stress free experience with competitive rates, low fees and superior service. Thank you again for giving us the opportunity to serve you.
Our Advantages
- Dedicated Customer Lending Team
- Quick Pre-Approvals
- 48 Hr Loan Commitments
- Lock the Rate at Time of Contract
- 3,6,9 Month Options
- No Payments During Construction for OTC
chattel Mortgage Programs
True Home Only
True Home Only
- Park Set
- Family Land
- Personal Land
- 25 yr Term
- Minimum Credit Score 550
Land in Lieu
Land Plus
- Land Free and Clear
- Includes Set
- Land = 10% of Project
- 30 yr Term
- Minimum Credit Score 550
Conventional Land Home
Land Home
- Purchasing Land
- Land w Balance
- Equity Applied
- 30 yr Term
- Minimum Credit Score 550
One Time Close Mortgage Programs
FHA Home loans
1st Time Homebuyer Loans
FHA Home Loans are great for first time buyers, buyers with less than perfect credit or needing less out of pocket. Call today to get started.
- Smaller Down Payments
- Higher Debt to Income
- Gifts Allowed
- Minimum Credit 620
va Home Loans
100% Financing for Vets
VA Home Loans are 100% Mortgages for Active Duty Servicemen and women, as well as, retired and Disabled Veterans.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher DTI
- Minimum Credit 620
USDA Home loans
100% Rural Home Loans
USDA Home Loans are 100% Mortgages for families wanting to live in rural areas outside of the larger cities.
- No Down Payments
- Closing Costs Rolled In
- Geographic & Income Limits
- Minimum Credit 620
Hud184 Home Loans
Native American Loans
HUD 184 Home Loans are solely for Native Americans and offer a variety of benefits including low down and higher loan amounts
- Manual Underwriting
- Tribal Grants Allowed
- Geographic Restrictions
- Minimum Credit 620
