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Bellevue Home Loans

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Mortgage Lender Bellevue Washington

Home Loans In Bellevue Washington

Located across Lake Washing from Seattle, Bellevue is the third-largest city in the Seattle metropolitan area. It is home to some of the world’s largest technology companies. Its housing market is so competitive the average price of a house is $1.5M, up 44% since last year.

Do you still live with your parents? Are you looking to relocate to a new city for a job? If this is the case, you may be looking forward to owning your first home or the next one.

The hunt for a new home can sometimes seem long and daunting, so daunting that you avoid taking the first steps. But, contrary to popular belief, purchasing a home does not have to be as stressful, overwhelming, or time-consuming as people make it out to be.

How Long Does It Take To Buy A New Home?

Given current market conditions, you’re likely to spend about a year finding and purchasing your next home. You may spend the majority of that time looking for the right home. 

It is much harder to find a home that fits your needs and budget these days as the forces of supply and demand has tipped in the scales in favor of the sellers. 

Homebuying Timeline

  • Getting Preapproved For A Mortgage (One or Two Days)

The first step in obtaining a mortgage is to apply for pre-approval, where your lender verifies your financial information to determine how much you can afford. If you qualify, your lender will issue a letter outlining an official estimate of the loan they are willing to offer you.

  • Shopping For A New Home (3 to 6 Months)

Searching for the right home is commonly the most time-consuming part of the home buying process. If you’re looking for a home in a hot real estate market, it could take you a few months to a year to find a home that ticks all the right boxes. 

The best way to expedite this step in the process is by working with a real estate agent that knows the area and the market well.

  • Making An Offer (Depending On How The Negotiations Go)

When you’ve found the perfect home and are ready to buy, your real estate agent can assist you in making an offer and drafting an offer letter highlighting the terms of the sale.

If you’re making an all-cash offer, include a Proof of Funds letter to demonstrate your financial capacity to complete the transaction. If you’re taking out a mortgage, attach your pre-approval letter to your offer to show the seller that you’ve been pre-approved by a lender.

  • Finalizing Your Mortgage and Preparing For Closing (About 1 Month)

Now that you’ve signed your purchase agreement, you’re ready to start the mortgage application process. Most lenders need 30 – 45 days to finalize your loan details.  Your lender will schedule an appraisal to ensure that your home meets the minimum requirements of your mortgage and then underwrite your loan.

During this time, you should also consider getting a home inspection to find out if there are any issues in the property you were not made aware of. 

  • Closing Your Loan (A Week or Less)

When your appraisal is cleared, and your lender has finished underwriting your loan, it is time to close. 

Before the closing, your lender will issue a document called Closing disclosure, which outlines the terms of your loan. You have at least three days to read it.

After three days, your lender will schedule a closing meeting. This is where you sign your loan documents, pay your down payment and closing costs, and take possession of your new home.

Mortgage Lender In Bellevue, WA

Are you looking to purchase a new home in Bellevue? Capital Home Mortgage can walk you through the process and assist you in making the best decision. We offer a variety of home loan programs to meet the needs of every buyer – from conventional loans to government-backed loans and jumbo loans.

As one of the leading mortgage lenders in Washington, Capital Home Mortgage has the advantage of providing our clients with a flexible underwriting policy,   low fees, and competitive interest rates. Whether you are a first-time homebuyer, active duty or retired veteran, or a seasoned buyer, we are here to assist you.

Apply For A Bellevue Home Loan Now!

Capital Home Mortgage is committed to creating a positive home buying experience for our clients. We know that time is of the essence in real estate transactions. This is why we equip ourselves with the necessary technology and resources to speed up the loan application, underwriting, and funding processes.  

You can count on us to complete the application process quickly and smoothly and close your mortgage on time.

Call us at (253) 528-4417; we look forward to providing your Bellevue Home Loan.

Why Bellevue 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

Bellevue 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
Bellevue Mortgage Programs

Bellevue Home Purchase loans

Looking to Purchase a Bellevue 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

Bellevue Renovation Home Loans

Looking to Rehab a Bellevue 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

Bellevue FHA Home loans

Great 1st Time Bellevue 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

Bellevue va Home Loans

100% Financing for Bellevue 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

Bellevue Conventional Home loans

Flexibility for Bellevue 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

Bellevue Jumbo Home Loans

Bellevue 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

Bellevue USDA Home loans

100% Rural Bellevue 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

Bellevue Native american Home Loans

Bellevue 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

Bellevue Manufactured Home loans

Great Alternative Bellevue 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

Bellevue Reverse Mortgage Loans

Your Bellevue 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

Bellevue Non QM Home loans

Making Bellevue 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

Bellevue One Time Close Home Loans

Build Your Bellevue 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

Bellevue Refinance Mortgage loans

Bellevue 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

Bellevue Cashout Mortgage Loans

Bellevue 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

Bellevue Washington Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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