Capital Home Mortgage Seattle

Seatttle home purchase loans

Home Purchase lender Seattle Washington

Home Purchase Loans In Seattle Washington

To buy a house in Seattle, you first need to secure financing. You’ll need to apply for a mortgage loan to buy a house. Your wealth grows in proportion to the rise in the value of your home. Your net worth increases when the value of your home rises. In actuality, many homeowners refinance their homes to receive urgently needed cash.

Seattle Home Purchase Loan Options 

There are various home purchase loans available in Seattle, and it’s essential to determine which one best meets your needs so you can begin completing the qualifying requirements.

  • Conventional – Conforming Loans

A conventional loan is any mortgage neither funded nor insured by the government. By far the most common home loan, they are accessible from practically every mortgage company in the nation.

Conforming-conventional loans are mortgages with terms that meet the requirements of the government-sponsored enterprises Fannie Mae and Freddie Mac. They are not guaranteed by the government and are only suited for borrowers with above-average credit scores. The maximum loan amount cannot exceed conventional loans’ annual cap and requires a credit score of 620 to qualify.

  • FHA Home Loans

FHA loans are ideal for individuals with low credit ratings and small down payments. The government insures these loans against future default through the Federal Housing Administration (FHA), allowing lenders to accommodate borrowers with mediocre or marginal credit.

Credit scores as low as 580 are eligible for FHA loans.

  • VA Home Loans

Veterans and their surviving spouses may be qualified for loans guaranteed by the Department of Veterans Affairs and made available through the VA program. There is no down payment requirement or mortgage insurance for these loans. Most lenders require a credit score of 620 to qualify for a VA home loan.

  • USDA Guaranteed Home Loans

Homebuyers in rural areas may also qualify for a mortgage insured by the federal government called a USDA Home Loan. The USDA home loan program is similar to the VA loan in that no down payment is required. Still, it can only be used to buy a primary residence in rural or suburban regions designated as USDA rural development or suburban development zones.

  • Jumbo Loans

Jumbo mortgages exceed the conforming loan limits that Fannie Mae and Freddie Mac allow. Purchasing high-end real estate in densely populated, expensive regions is a prime application for this type of financing.

The higher dollar amounts involved in a Jumbo home loan program necessitate stricter guidelines. They also need higher levels of financial stability, employment, and income stability.

  • Non-Qualified Mortgage

Loans that do not constitute as qualifying mortgages by the Consumer Financial Protection Bureau (CFPB) are known as “non-QM loans.” Lenders offering qualified mortgages must comply with the Consumer Financial Protection Bureau’s “ability to repay” rule, which mandates that they verify your financial stability and only offer you loan terms that you are likely to be able to repay.

Non-QM loans use non-traditional income verification methods to help borrowers get approved for a home loan. 

Apply For A Seattle Home Loan

Capital Home Mortgage Seattle is a full-service mortgage company that serves homeowners throughout Washington state, including Seattle. We offer a variety of mortgage alternatives for Native Americans, including FHA, VA, Conventional, USDA, Jumbo, and HUD 184 loans.

Because we are a direct mortgage lender, we can offer you competitive rates and fees while still providing the high-quality service you need. For your convenience, our mortgage professionals are available to answer any questions and speed up the mortgage application process. 

Why Seattle 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

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

Seattle Home Purchase Loans

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, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Seattle fixed rate Mortgage Loans

All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.

Seattle Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans known as ARM’s are  available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment.  ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.

Seattle Mortgage Programs

Seattle Home Purchase loans

Looking to Purchase a Seattle 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

Seattle Renovation Home Loans

Looking to Rehab a Seattle 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

Seattle FHA Home loans

Great 1st Time Seattle 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

Seattle va Home Loans

100% Financing for Seattle 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

Seattle Conventional Home loans

Flexibility for Seattle 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

Seattle Jumbo Home Loans

Seattle 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

Seattle USDA Home loans

100% Rural Seattle 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

Seattle Native american Home Loans

Seattle 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

Seattle Manufactured Home loans

Great Alternative Seattle 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

Seattle Reverse Mortgage Loans

Your Seattle 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

Seattle Non QM Home loans

Making Seattle 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

Seattle One Time Close Home Loans

Build Your Seattle 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

Seattle Refinance Mortgage loans

Seattle 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

Seattle Cashout Mortgage Loans

Seattle 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

Seattle Washington 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

Seattle Washington Mortgage Company Reviews

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