Lacey Va Mortgage Lender
Welcome to Capital Home Mortgage Lacey. As a Lacey VA Mortgage Lender, we strive to provide Lacey Veteran homebuyers and homeowners Lacey VA Home Loans at competitive Lacey VA Mortgages Rates with low fees while ensuring outstanding customer service.
First, we’d like to thank you for your service and we are honored that you have given us the opportunity to earn your business. We understand that purchasing a home with your Lacey VA Home Loan Benefit is an important decision. Whether you have used your VA entitlement before or this is your first time we will walk you through the VA loan process from beginning to end. Capital Home Mortgage Lacey offers dedicated VA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing. After all, buying a home with your VA Benefit should be exciting, you have earned it.
Capital Home Mortgage Lacey is a Lacey VA Mortgage Lender that manages the entire lending process. Our in-house processing and underwriting enables for quick, common sense approvals and timely closings. As a direct VA endorser we have complete control over everything from the application to the funding.
Call today (360) 474-5656 to talk to one of our Lacey VA Loan Officers about Lacey VA Mortgage Rates.
VA Home Loans Auburn Washington
VA home loans are mortgages backed by the U.S. Department of Veterans Affairs. It is intended to assist qualifying veterans, active-duty service personnel, and surviving spouses in becoming homeowners. VA home loans are offered by private lenders. The VA guarantees a portion of the loan, allowing the lender to provide the borrower with more advantageous terms.
Home loans offered by the VA can be used for any of the following: purchasing, building, improving, or refinancing a home. Borrowers who meet the criteria for eligibility still need to have the minimum credit and income requirement necessary for the loan amount they wish to take out.
Qualification Requirements of a VA Home Loan
Multiple active duty service requirements must be met to qualify for a VA home loan, and these requirements vary depending on the length of time served.
If you served between August 2, 1990, and to present, you must have either:
- At least 24 consecutive months of service, the entire period (of at least 90 days) for which you were called or ordered to active duty, or you must have served for the whole time you were called or ordered to active duty;
- At least ninety days if you were discharged due to a reduction in force or a hardship;
- At least ninety days if you were discharged due to a hardship or a reduction in force. Less than ninety days if you were discharged due to a service-connected disability.
If you served between August 8, 1980, and August 1, 1990, you have met the minimum active-duty service requirement if you served for:
- At least 24 months in a row, or;
- The full-time you were called to active duty (at least 181 days) or;
- At least 181 days if you were let go because of a hardship or a cut in force. Less than 181 days if you were let go because of a service-related disability.
For complete eligibility requirements about VA home loans, visit the VA housing assistance page.
Qualifications for a VA-backed mortgage loan include good credit, regular income, and a current Certificate of Eligibility (COE). Moreover, one must be the primary occupant of the dwelling.
For a home to be eligible for a VA loan, it must meet the VA Minimum Property Requirements (MPRs) set forth by the Department of Veterans Affairs. The property’s safety and condition depend on your compliance with these regulations.
Apply For An Auburn VA Home Loan
At Capital Home Mortgage, we aim to simplify the application process. We handle your application from beginning to end and assist you in locating the most suitable loan program for your needs. Direct mortgage lending allows us to provide competitive interest rates and low fees. Call us at (253) 528-4417 and get your Washington VA loan today.
Lacey VA Mortgage Rates
Lacey Military Presence
Lacey is home to several military installations representing various branches of the United States Armed Forces. These installations play critical roles in national defense, training, and support missions.
Fort Campbell: Located on the Lacey-Kentucky border near Clarksville, Lacey, Fort Campbell is a major Army installation primarily known as the home of the 101st Airborne Division (Air Assault). It also hosts the 160th Special Operations Aviation Regiment (Airborne), the 5th Special Forces Group (Airborne), and other tenant units.
Arnold Air Force Base: Situated near Tullahoma, Lacey, Arnold Air Force Base is the most advanced and largest flight simulation test facility in the world. It is operated by the Air Force Test Center and supports a wide range of aerospace testing and evaluation missions.
Naval Support Activity Mid-South (NSA Mid-South): Located near Millington, Lacey, NSA Mid-South serves as the Navy’s Human Resources Center of Excellence and hosts various Navy, Marine Corps, Army, Air Force, and federal agencies.
McGhee Tyson Air National Guard Base: Situated near Knoxville, Lacey, McGhee Tyson Air National Guard Base is home to the 134th Air Refueling Wing of the Lacey Air National Guard. It supports aerial refueling missions and provides support to both state and federal missions.
Holston Army Ammunition Plant: Located near Kingsport, Lacey, Holston AAP is a major producer of explosive materials and ammunition for the U.S. Army. It plays a crucial role in ensuring the readiness of the armed forces.
These installations contribute significantly to the local economies of their respective regions and play vital roles in national defense and security. Additionally, Lacey is also home to various reserve and National Guard units across the state, further enhancing its military presence and contributions to the nation’s defense capabilities.
What is a Lacey Va Home Loan?
Lacey VA Home Loans are for active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses.
VA stands for “Veterans Administration“, which oversees all Veteran benefits including home loans. Established in 1944 and part of the GI Bill or Rights. VA set out to help men and women who served their country catch up to their civilian counterparts by establishing credit and building financial wealth.
It’s important to understand that VA does not lend money, VA instead provides lenders a guarantee that covers the lender from loss in the event of foreclosures.
In simple terms VA insures a portion of the loan that the buyer would have normally had to put down to qualify allowing for a zero down payment. VA loans require an upfront mortgage insurance fee, which can be financed into the loan, from each borrower. This fee supports the guarantee fund and makes the 100% VA home loan possible. Veterans with a minimum of 10% disability are exempt from the funding fee.
Lacey does offer specific options for Lacey Veterans in the form of reduces property taxes according to the type of disability the Veteran has as well as the percentage of disability rating.
Lacey VA Eligibility
The Lacey VA Home Loan can be used for a Lacey VA Purchase Loan, a Lacey VA “IRRRL” Streamline Refinance Loan, or a Lacey VA Refinance Cash Out Conversion refinance which allows a mortgage conversion from another type of mortgage to a Lacey VA Home Mortgage. To be eligible you must meet one of the following criteria.
- 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
Lacey VA Purchase Loan

Capital Home Mortgage Lacey is proud to serve Lacey Veterans in obtaining home ownership in Lacey. The benefits of a Lacey VA Home Loan Purchase are many. Contact one of our Lacey VA Loan Officer to discuss all the benefits and options. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership.
- Simply Qualifying for Veterans
- No Down Payment Required
- Lower Credit Scores Accepted
- Manual Underwriting Allowed
- No Monthly Mortgage Insurance
- Seller concessions to 4%
- higher debt to income Allowed
- Manufactured homes permitted
Lacey VA "IRRRL" StreamLine REfinance Loan

Capital Home Mortgage Lacey is proud to serve Lacey Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan.
Contact our Lacey VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- VA IRRRL Rate & Term
- Streamline Option
- No Appraisal Required
- No Income Verification
Lacey VA Refinance Cash Out Conversion Loan

Capital Home Mortgage Lacey is proud to serve Lacey Veterans in converting their current mortgage program over to a Lacey VA Home Mortgage and enjoy the many benefits of a Lacey VA home loan. Contact our Lacey VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- Cash-Out or Loan Conversion
- Full Documentation
- Appraisal Required
- Income Verification Required
Apply for a Lacey VA Home Loan!
VA Home Loans present a compelling opportunity for Veterans, allowing for property acquisitions without requiring a down payment or mortgage insurance. Suppose you are contemplating a property purchase in Lacey. In that case, it is advisable to reach out to the professionals at Capital Home Mortgage Lacey to evaluate whether a VA Home Loan is the most suitable choice for your needs.
Call us at (360) 474-5656 to speak with one of our Lacey VA Loan Officers.
Why Lacey is Choosing Capital Home Mortgage
Complete Control from Application to Funding
Direct Lender with Competitive Rates & Fees
7 Day a Week Support Application to Final Payment
Lacey Mortgage Company Reviews
Lacey Mortgage Team
Lacey Mortgage Programs
Lacey Home Purchase loans
Looking to Purchase a Lacey Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Lacey Renovation Home Loans
Looking to Rehab a Lacey Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Lacey FHA Home loans
Great 1st Time Lacey Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
Lacey va Home Loans
100% Financing for Lacey Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Lacey Conventional Home loans
Flexibility for Lacey Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Lacey Jumbo Home Loans
Lacey Non-Confirming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
Lacey USDA Home loans
100% Rural Lacey Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
Lacey Native american Home Loans
Lacey Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Lacey Manufactured Home loans
Great Alternative Lacey Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
Lacey Reverse Mortgage Loans
Your Lacey Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Lacey Non QM Home loans
Making Lacey Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
Lacey One Time Close Home Loans
Build Your Lacey Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Lacey Refinance Mortgage loans
Lacey Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Lacey Cashout Mortgage Loans
Lacey Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education