Capital Home Mortgage West virginia

West virginia Home Loans

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West Virginia Mortgage Lender

Home Loans in West Virginia

Welcome to Capital Home Mortgage West Virginia, where we strive to provide West Virginia Home Loans to West Virginia homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage West Virginia offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage West Virginia as a West Virginia Mortgage Company, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage West Virginia is a full-service West Virginia Mortgage Lender that offers a wide range of mortgage products as well as competitive West Virginia Mortgage Rates.  Whether you are a first-time purchaser seeking a West Virginia FHA Home Loan, looking for a rural property and needing a West Virginia USDA Home Loanan active duty or retired veteran in need of a West Virginia VA Home Loan, or a seasoned buyer in need of a West Virginia Conventional Home Loan, we are here to assist.

Call today (800) 804-5181 to talk to one of our West Virginia Loan Officers.

West Virginia, known as the “Mountain State” is located in the Appalachian region of the United States and is bordered by Pennsylvania to the north, Maryland to the northeast, Virginia to the southeast, Kentucky to the southwest, and Ohio to the northwest. Charleston is the capital and largest city of West Virginia.  Recognized for its scenic landscapes, including the Appalachian Mountains West Virginia offers outdoor recreational activities such as hiking, fishing, and white-water rafting are popular.  The state has a strong cultural heritage, and events like the Mountain State Forest Festival celebrate its traditions.

Historically known for its coal mining industry, West Virginia’s economy has diversified over the years.  Other significant industries include healthcare, manufacturing, tourism, and natural gas production.  West Virginia is rich in natural resources, including coal, natural gas, and timber.

West Virginia is home to several institutions of higher education, including West Virginia University (WVU) and Marshall University.

West Virginia has a relatively small population compared to its size.  The population is diverse, with a mix of urban and rural areas.

West Virginia became a state in 1863, breaking away from Virginia during the Civil War due to differences over secession.

West Virginia is considered an affordable state in terms of real estate. Housing costs, including home prices and property taxes, tend to be lower compared to many other parts of the United States.  Known for Rural and Small-Town Living, West Virginia is recognized for small-town charm offering a more rural or suburban lifestyle, attracting people who appreciate a quieter environment.  West Virginia real estate trends vary across regions within the state. In recent years, some areas have experienced growth in the real estate market, while others may have faced challenges.  Some investors may find opportunities in the West Virginia real estate market due to its affordability and potential for growth in certain areas. 

Like any state, West Virginia faces certain challenges that can affect the real estate market. Factors such as population decline, aging infrastructure, and economic shifts can impact the overall real estate landscape.

Thank you again for your interest in Capital Home Mortgage California and we look forward to providing your new mortgage.

West Virginia Home Loans

West Virginia Conventional Home Loans

A West Virginia Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

West Virginia FHA Home Loans

West Virginia FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a West Virginia FHA home loan is consistent employment history and documented income.

West Virginia VA Home Loans

West Virginia VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in West Virginia.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

West Virginia USDA Home Loans

West Virginia USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

West Virginia Jumbo Home Loans

A West Virginia Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

West Virginia Non QM Home Loans

West Virginia Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

West Virginia One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A West Virginia One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why West virginIa 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

West virginIa 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
West Virginia Mortgage Programs

West Virginia Purchase loans

Looking to Purchase a West Virginia 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

West Virginia Renovation Home Loans

Looking to Rehab a West Virginia 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

West Virginia FHA Home loans

Great 1st Time West Virginia 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

West Virginia va Home Loans

100% Financing for West Virginia 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

West Virginia Conventional Home loans

Flexibility for West Virginia 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

West Virginia Jumbo Home Loans

West Virginia 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

West Virginia USDA Home loans

100% West Virginia Rural 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

West Virginia Native american Home Loans

Not Available in West Virginia

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

West Virginia Manufactured Home loans

Great West Virginia Alternative 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

West Virginia Reverse Mortgage Loans

Your West Virginia 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

West Virginia Non QM Home loans

Making West Virginia 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

West Virginia One Time Close Home Loans

Build Your West Virginia 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

West Virginia Refinance Mortgage loans

West Virginia 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

West Virginia Cashout Mortgage Loans

West Virginia 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

West Virginia 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

West Virginia Mortgage Company Reviews

West virginia Cities

Charleston Home Loans

Huntington Home Loans

Morgantown Home Loans

State Specific Mortgage Information

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