Capital Home Mortgage

Making California Dreams

California Home Loans

California Home Purchases | California Mortgage Refinance

Capital Home Mortgage is a preferred California Mortgage lender that specializes in California FHA Home Loans, California VA Home Loans, California Conventional Home Loans, California USDA Home Loans, California Jumbo Home Loans, California Native American Home Loans, California Renovation Home Loans, California Manufactured Home Loans and California Reverse Mortgages. 

As the Actual mortgage lender and servicer our underwriters have the ability to make quick decisions for fast approvals and on time closings.

As a local California mortgage company, we specialize in purchase home loans and refinancing… and as the direct California Mortgage Lender we have the loan programs and flexible options not available to traditional mortgage brokers.

Whether a first time home buyer in the California needing a California FHA mortgage loan, a California veteran needing a California VA mortgage loan, or a seasoned investor looking for a California Conventional mortgage loan we have your covered.

Need a new home loan in California? Call us today or apply online and let us earn your business. 

California Mortgage Rates

What determines the final interest rate? 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

Why Californians are Choosing Capital Home Mortgage?

Our goal is to close every loan in 28 days or less. Control from Application to Funding
California Mortgage Lender providing Great Rates and Low Fees - No Fees Loan Options
Local California Mortgage Company with 7 Day Support Application to Final Payment

California Mortgage Lender

California Home Purchase

Buying a California Home

  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No Fee Options
  • FHA, USDA, VA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured & Reverse Mortgages

California Renovation Mortgage

California Rehab Loans

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

California FHA Home Loans

California 1st Time Buyers

  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

California VA Home Loans

California Vets Zero Down!

  • Primary Residences
  • Simply Qualifying for Veterans
  • No Lender Fee Option
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

California Conventional Loans

California Purchase Flexibility

  • Primary, 2nd Home, Investment
  • Great Rates and a Variety of Terms
  • Single and Multi-Family Properties
  • Lower Mortgage Insurance Options
  • Renovation Loan Programs

California Jumbo Home Loans

California High Balance Loans

  • Primary and Secondary Residences
  • Simply Qualifying for Veterans
  • Loans to 3 Million
  • Credit Score Minimum
  • Investor Specific Guidelines

California USDA Home Loans

California Rural Properties

  • 100% Financing
  • Primary Residences
  • New Manufactured Homes Allowed
  • Closing Costs/ Repairs Rolled In
  • Geographic and Income Limits Apply

California Native American Loans

California HUD 184 Loans

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance and Renovation

California Manufactured Homes

California Alternative Housing

  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land / Home
  • Lock Rate at Contract
  • FHA, VA, USDA, Native American

California Reverse Mortgages

Your California Home at Work

  • Primary Residences Only
  • Simply Qualifying – Equity Based
  • No Credit Score Requirement
  • Minimum Age 62
  • Purchase, Refinance, Cash-Out

California Non Qualified Mortgages

Making Mortgages Possible

  • Purchase, Refinance & Cash-out
  • Primary, 2nd and Investment
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

California One Time Close Mortgages

Build Your California Dream

  • Primary Residences Only
  • One Time Close
  • Lock Rate at Contract
  • Traditional Final Mortgages
  • Purchase, Refinance, Cash-Out

California Mortgage Refinance

California Rate & Term

  • Reduce Monthly Payment
  • Shorten Mortgage Term
  • Cash-Out Debt Consolidation
  • Streamline Options Available
  • 2nd Lien Equity Lines

California Cash Out Mortgage

California Equity Refinance

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Capital Home Mortgage California Mortgage Team

Dale Gremillion

NMLS 210325

Conor Hayhurst

NMLS 743506

Brad Rund

Native American Lending
Manufactured Lending

Kathy Rubin

Sr Loan Officer
NMLS 204449

California Mortgage Company Reviews

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