Capital Home Mortgage Washington
Washington VA Home Loans
Washington VA Mortgage Lender
Welcome to Capital Home Mortgage Waco. Are you wondering about Waco VA Home Loans, Waco VA Mortgage Rates and if you should use your Waco Veteran Loan? We can help you understand the advantages of a Waco VA Home Mortgage and if it is the right time to use your VA benefit for the current mortgage loan. Capital Home Mortgage Waco is a direct Waco VA Mortgage Lender, which means Capital Home Mortgage has VA direct authority to underwrite and approve your home loan. This control of the loan process and loan approval allows for streamline operations resulting in a quick and stress-free experience.
Ready to get started? Call now and one of our Waco VA mortgage professionals will answer your questions and walk you through the application and pre-approval. Thank you for allowing us the opportunity to provide your Waco VA home financing needs.
Why Washington is Choosing Capital Home Mortgage
Close On Time with True Approval
Control of the Loan from the Application to Funding.
Great Washington Rates
Direct Mortgage Lender Providing Competitive Rates and Low Fees.
Washington Customer Service
7 Day a Week Support from Application to Final Mortgage Payment.
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
Washington VA Purchase Loan
- No Down Payment / No Loan Limits
- No Monthly Mortgage Insurance
- Simple Qualifying
- Flexible Underwriting
- Seller Paid Closing Costs up to 4%
- Higher Debt to Income Allowed
- Alternate Credit Allowed
- Manufactured Housing Permitted
- No Down Payment / No Loan Limits
- No Monthly Mortgage Insurance
- Simple Qualifying
- Flexible Underwriting
- Seller Paid Closing Costs up to 4%
- Higher Debt to Income Allowed
- Alternate Credit Allowed
- Manufactured Housing Permitted
Washington VA Refinance Loan
- Streamline Option
- VA IRRRL Rate and Term
- No Appraisal Required
- No Income Verification Required
- Full Documentation
- Cash-Out or Loan Conversion
- Appraisal Required
- Income Verification Required
- Streamline Option
- VA IRRRL Rate and Term
- No Appraisal Required
- No Income Verification Required
- Full Documentation
- Cash-Out or Loan Conversion
- Appraisal Required
- Income Verification Required
Washington VA Loan Information
Washington VA Loan Requirements
- VA Purchases – First Use
- 0% to 5% Down Funding Fee 2.3%
- 5% or Higher Down Payment Funding Fee 1.65%
- Subsequent Uses Funding Fee 3.6%
- VA Cash-Out Refinances or VA Refinance Conversions
- First Use 2.3%
- Subsequent Uses 3.6%
- VA IRRL Refinance 0.5%
- No Funding Fee with 10% or Higher Disability
Washington VA Funding Fee
- 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
Washington VA Loan Requirements
- VA Purchases – First Use
- 0% to 5% Down Funding Fee 2.3%
- 5% or Higher Down Payment Funding Fee 1.65%
- Subsequent Uses Funding Fee 3.6%
- VA Cash-Out Refinances or VA Refinance Conversions
- First Use 2.3%
- Subsequent Uses 3.6%
- VA IRRL Refinance 0.5%
- No Funding Fee with 10% or Higher Disability
Washington VA Funding Fee
- 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
