Mortgage Loan Options for Homebuyers & Investors

Explore mortgage loan options for buying, refinancing, investing, or accessing home equity. Capital Home Loans offers conventional, government-backed, and alternative mortgage programs designed for a variety of financing needs.

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Home Purchase Loans

Fixed Rate Mortgage

A fixed-rate mortgage keeps the interest rate the same for the life of the loan, providing predictable principal and interest payments.

Adjustable-Rate Mortgage (ARM)

Choose an initial fixed-rate period of 3, 5, 7, or 10 years before the rate may adjust based on the loan terms. FHA ARM options are also available.

FHA Loan

FHA loans are government-insured mortgages that may offer flexible credit and down payment requirements for eligible borrowers.

VA Loan

VA loans offer eligible veterans, service members, and qualifying surviving spouses flexible mortgage options, including fixed-rate and adjustable-rate loans.

USDA Loan

USDA loans may offer 100% financing for eligible borrowers purchasing homes in qualifying rural and suburban areas.

Jumbo Loan

Jumbo loans are designed for financing amounts that exceed conforming loan limits and may be used for higher-priced homes, subject to qualification requirements.

First Time Home Buyer

Explore mortgage programs and low down payment options that may be available to first-time homebuyers based on eligibility and loan requirements.

Low Down Payment Options

Explore mortgage programs that may offer low down payment options for eligible homebuyers, depending on the loan program and borrower qualifications.

Temporary Mortgage Buydowns

Explore 2-1 and 3-1 temporary buydown options that may reduce the borrower’s initial mortgage payment when permitted by the loan program.

Bridge Home Loan

Bridge loans can provide short-term financing to help eligible borrowers purchase a new home before selling their current property.

Investor & Alternative Financing

Investment Property

Explore mortgage financing options for rental properties, second homes, and other investment properties, subject to borrower and property qualifications.

DSCR Home Loan

DSCR loans may allow real estate investors to qualify primarily based on the property’s rental income and debt-service coverage ratio rather than traditional personal income.

Bank Statement Program

Bank statement loans may help self-employed borrowers qualify using eligible bank deposit history instead of traditional income documentation.

Fix & Flip Home Loan

Financing for real estate investors purchasing and renovating properties to resell.

Home Equity & Specialty Financing

HELOC & Home Equity Loan

Access your home equity with a HELOC or fixed-rate home equity loan, subject to eligibility, available equity, and loan terms.

Reverse Mortgage

Access a portion of your home equity without a required monthly mortgage payment, subject to eligibility and loan terms.

Mortgage Loan Options for Refinancing

Mortgage Refinance

Explore refinancing options that may help change your loan term, adjust your interest-rate structure, or better align your mortgage with your current financial goals.

Cash-Out Mortgage Refinance