Capital Home Mortgage Bremerton

Bremerton One Time Close Home Loans

One Time Close Mortgage Lender Bremerton Washington

One-Time Close Construction Loan Bremerton Washington

A One-Time Close Construction Loan is a mortgage loan that enables the borrower to acquire construction financing and permanent financing simultaneously. This financing option combines the interim and permanent loan transactions into a single transaction, and the borrower receives approval for the permanent loan before construction commences. This loan is frequently used to finance the construction of a principal dwelling.

Features of a One-Time Close Construction Loan

The One-Time Close Construction Loan features a single closing date and interest rate. Borrowers may find this type of loan an affordable alternative because they only need to pay for one closing and may lock in their permanent interest rate. Obtaining a One-Time Close Construction Loan entails numerous procedures, including loan approval by the lender, builder registration, delivering documentation, and drafting drawings and specifications.

Types of Homes for that Qualify for a One-Time Close Construction Loan

The One-Time Close Construction Loan can be used for Single Family Home, Manufactured Homes, Modular Homes and Barndominiums. Due to Current Market Conditions our current Maximum Length of Construction is Limited to 6 months. This is Subject to change with Market.

One-Time Close Construction Loan Benefits

A One-Time Close Construction Loan is a loan that combines the construction and permanent mortgage of a new home into one loan. Some of the advantages of a One-Time Close Construction Loan are as follows:

Only one application: eliminates the need for the borrower to apply for two separate loans, saving time and effort.
The borrower saves thousands of dollars in closing costs by eliminating the requirement for two separate closings.
A single appraisal valuation eliminates the possibility of appraisal surprises because just one evaluation is necessary for the loan.
Minimum down payments or Zero Down Depending on Loan Program Used : FHA, VA USDA, or HUD 184 Where Available and subject to county lending limits.
A single set of closing documents is used for the One-Time Close Construction Loan, making the process more streamlined and quick.
Affordability: Because the borrower only has to pay for one closing, they can lock in the permanent interest rate, making the transaction more reasonable.
Ease of funding: The One-Time Close Construction Loan simplifies the financing of a new house.

Apply For A Bremerton One-Time Close Construction Loan

The construction of a new home is a significant undertaking with numerous factors to consider. With a One-Time Close Construction Loan, Capital Home Mortgage Bremerton is here to facilitate this process. From groundbreaking to move-in, we provide a seamless process. Our Loan Officers will work with you and your home builder to ensure everything flows well.

Call us at (360) 474-5656 to speak with one of our One Time Close Construction Loan Specialists.

Why Bremerton 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

Bremerton Washington 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

Bremerton One Time Close Construction Home Loans

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 Residence Only
Close Once
Lock Rate at Contract
Traditional Final Mortgage

Bremerton Mortgage Programs

Bremerton Home Purchase loans

Looking to Purchase a Bremerton 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

Bremerton Renovation Home Loans

Looking to Rehab a Bremerton 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

Bremerton FHA Home loans

Great 1st Time Bremerton 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

Bremerton va Home Loans

100% Financing for Bremerton 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

Bremerton Conventional Home loans

Flexibility for Bremerton 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

Bremerton Jumbo Home Loans

Bremerton 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

Bremerton USDA Home loans

100% Rural Bremerton 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

Bremerton Native american Home Loans

Bremerton 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

Bremerton Manufactured Home loans

Great Alternative Bremerton 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

Bremerton Reverse Mortgage Loans

Your Bremerton 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

Bremerton Non QM Home loans

Making Bremerton 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