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?
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 StreamlineÂ
- 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