Capital Home Mortgage Virginia

Virginia Home Loans

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Virginia Mortgage Lender

Home Loans in Virginia

Welcome to Capital Home Mortgage Virginia, where we strive to provide Virginia Home Loans to Virginia homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Virginia offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage Virginia, as a direct Virginia mortgage lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Virginia is a full-service Virginia mortgage lender that offers a wide range of mortgage products as well as competitive Virginia mortgage rates.  Whether you are a first-time purchaser seeking a Virginia FHA Home Loan, looking for a rural property and needing a Virginia USDA Home Loan, an active or retired veteran in need of a Virginia VA Home Loan, or a seasoned buyer in need of a Virginia Conventional Home Loan, we are here to assist.

Call today (757) 600-6845 to talk to one of our Virginia Loan Officers.

Virginia is located in the southeastern part of the United States and has several major cities including Virginia Beach, Norfolk, Chesapeake, Arlington, Alexandria and Richmond, which also serves as the capital.

Virginia is home to a diverse population and ranks among the most populous states in the US.  Being one of the original thirteen colonies, it had a pivotal part in shaping American history.  Not only was it the scene of pivotal battles in the American Revolution and Civil Wars, but it is also the birthplace of numerous founding fathers.

The agricultural, technological, governmental, military, and tourist industries are vital to Virginia’s economy.  Many federal agencies and IT enterprises call Northern Virginia home.

George Mason University, Virginia Tech, and the University of Virginia (UVA) are just a few of the esteemed educational institutions located in Virginia.

The coastal plain, the Piedmont Plateau, and the Appalachian Mountains make up Virginia’s varied landscape.  Notable natural features include the Potomac River and Chesapeake Bay.

There are a number of military bases in Virginia, notably the Pentagon, which is situated across the Potomac River from the nation’s capital.

Virginia have seen distinct trends in housing prices. The housing market in northern Virginia, especially in neighborhoods around the nation’s capital, is more expensive than in the rest of the state.

Factors like as economic conditions, interest rates, and population expansion have impacted the Virginia housing market, as they do throughout the United States.  Demand has always been highest in particular regions surrounding large cities, such as the Washington, D.C. suburbs.

There is a large disparity in affordability across the state. The cost of living and, by extension, property values, are often higher in northern Virginia due to the region’s closeness to Washington, DC. More reasonably priced homes might be available in other regions.

There is a wide variety of housing options in Virginia, from high-rise condos in metropolitan areas to single-family houses in suburban suburbs, and even some rural and agricultural locations.

The IT, government, and defense contracting industries that support Virginia’s economy have the potential to influence the state’s housing market. A thriving housing market is generally accompanied by rising employment and stable economic conditions.

Rental markets can be fiercely competitive in highly sought-after locations. The abundance of job prospects in and around Washington, D.C., contributes to the robust rental market in Northern Virginia.

Thank you again for your interest in Capital Home Mortgage Virginia and we look forward to providing your new mortgage.

Virginia Home Loans

Virginia Conventional Home Loans

A Virginia Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Virginia FHA Home Loans

Virginia FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Virginia FHA home loan is consistent employment history and documented income.

Virginia VA Home Loans

Virginia VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Virginia.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Virginia USDA Home Loans

Virginia USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Virginia Jumbo Home Loans

A Virginia Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Virginia Non QM Home Loans

Virginia Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Virginia One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Virginia One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Virginia 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

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

Virginia Purchase loans

Looking to Purchase a Virginia 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

Virginia Renovation Home Loans

Looking to Rehab a Virginia 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

Virginia FHA Home loans

Great 1st Time Virginia 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

Virginia va Home Loans

100% Financing for Virginia 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

Virginia Conventional Home loans

Flexibility for Virginia 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

Virginia Jumbo Home Loans

Virginia 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

Virginia USDA Home loans

100% Virginia 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

Virginia Native american Home Loans

Not Available in Virginia

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

Virginia Manufactured Home loans

Great Virginia 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

Virginia Reverse Mortgage Loans

Your Home Virginia 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

Virginia Non QM Home loans

Making Virginia 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

Virginia One Time Close Home Loans

Build Your Virginia 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

Virginia Refinance Mortgage loans

Virginia 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

Virginia Cashout Mortgage Loans

Virginia 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

Virginia Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Jordan Mowrey

SR Loan Officer
NMLS 210325

Virginia Mortgage Company Reviews

Virginia Cities

Virginia Beach Home Loans

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Norfolk Home Loans

Arlington Home Loans

Richmond Home Loans

Newport News Home Loans

Alexandria Home Loans

Hampton Home Loans

Roanoke Home Loans

State Specific Mortgage Information

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