California Home Mortgages
Find Out Your Buying Power Today...
No Credit Impact Mortgage Review
Fresno Mortgage Lender
Welcome to Capital Home Mortgage Fresno, a trusted Fresno Mortgage Lender dedicated to providing homebuyers and homeowners Fresno Home Mortgages with competitive Fresno Mortgage Rates and low fees. Our commitment to outstanding customer service ensures a smooth, stress-free experience.
We sincerely appreciate the opportunity to earn your business. We understand that buying a home is one of the most important decisions in life, which is why we offer dedicated points of contact throughout the entire mortgage process. This personalized approach helps ensure a seamless, on-time closing, so you can focus on the excitement of purchasing your new home, not the stress.
As a direct Fresno Mortgage Lender, Capital Home Mortgage Fresno manages the entire lending process from start to finish. With in-house processing and underwriting, we provide quick, common-sense approvals and timely closings.
Give us a call today at (888) 620-7744 to speak with one of our knowledgeable Fresno Loan Officers and get started on your path to homeownership!
Fresno Real Estate Market
As of November 2024, the Fresno, California real estate market has demonstrated notable activity:
Fresno Home Prices
- The median sale price for homes in Fresno was approximately $405,000, reflecting a 9.5% increase compared to the same period last year.
Fresno Market Competitiveness
- Fresno’s housing market is considered very competitive, with homes typically receiving multiple offers and selling in about 25 days. “Hot” homes can sell for about 2% above list price and go pending in around 8 days.
Fresno Inventory and Sales Volume
- In November 2024, there were 1,334 homes for sale, a 3.8% decrease from the previous month, indicating a tightening market.
Fresno Neighborhood Insights
- Median home prices vary across different neighborhoods. For instance, in downtown Fresno, the median home price is $249,000, while in the Tower District, it’s $317,000, up almost 25% from last year.
These trends indicate a robust and competitive housing market in Fresno, characterized by rising home prices and sustained buyer demand, despite a slight increase in the average time properties spend on the market.
Fresno Home Loans
Capital Home Mortgage Fresno is a full-service Fresno Mortgage Lender that offers a complete line of home loans to meet all Fresno Residents lending needs.
Fresno Purchase Home Mortgages
Fresno Purchase Home Loans
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Capital Home Mortgage Fresno is committed to providing Bakersfield homebuyers with a comprehensive range of Fresno Purchase Home Loans. We understand that purchasing a home is one of the most significant decisions in a person’s life and can often feel stressful. That’s why we offer dedicated points of contact to guide you through the homebuying process, ensuring you are well-informed about the different loan options available.
Our goal is to make your homebuying experience smooth and efficient, helping you evaluate your options and select the loan that best fits your individual needs. At Capital Home Mortgage Bakersfield, we strive to make the process as quick and easy as possible, while ensuring you make the best financial decision for your future.
Fresno Refinance Home Mortgages
Fresno Refinance Home Loans
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Fresno Rate and Term Refinance Home Mortgages are a type of refinance in which the borrower replaces the current mortgage with a new mortgage. The goal of a rate & term refinance is to obtain better loan terms, such as a reduced interest rate thereby lowering the monthly payment and/or a different loan duration to either lower the payments or shorten the mortgage term, which may or may not result in a lower monthly payment. Additionally, a rate and term refinance can be used to convert from one loan program to another possibly eliminating the need for mortgage insurance.
Fresno Cash Out Home Mortgages
Fresno Cash Out Home Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
Fresno Cash-Out Refinance Home Mortgages differ from rate and term refinances in that they allow homeowners to borrow against the equity in their homes by refinancing their current mortgage for an amount greater than the existing loan balance. The homeowner receives the difference in cash or can use the funds to consolidate date that is paid at closing. The other main differences is that cash-out refinances have lower loan to value limits than rate and term refinances and can have slightly higher rates.
Fresno Construction Home Mortgages
Fresno Construction Home Loans
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Fresno Construction Home Mortgages are 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. A One time close loan also can be combined with other standard mortgage products resulting in much smaller down payments.
Fresno Renovation Home Loans
Fresno Renovation Home Loans
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Want a new Fresno California home? Don’t want to purchase a home from a builder? Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town? Making your dream home come true might just be in updating that older home. Capital Home Mortgage Fresno offer all types of Fresno Renovation Home Mortgages to make this happen. To put it simply, we will handle and will walk you through the complexities involved in a construction or rehab loan.
Fresno Manufactured Home Mortgages
Fresno Manufactured Home Loans
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
A Fresno Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation. Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes. They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards. Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages. Contact us today to learn about Fresno Manufactured Home Mortgages.
Fresno Mortgage Loans
Capital Home Mortgage Fresno is a full-service Fresno Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a Fresno FHA Home Mortgages, looking for a rural property and needing a Fresno USDA Home Mortgages, a Native Californian wanting to use the HUD 184 Fresno Native American Home Mortgages , an active or retired veteran in need of a Fresno VA Home Mortgages , wanting to purchase that dream home over conforming limits with a Fresno Jumbo Home Mortgages, a seasoned buyer in need of a Fresno Conventional Home Mortgages or looking for alternative financing with a Fresno Non QM Home Mortgages we are here to assist.
Call today (888) 620-7744 to talk to one of our Fresno Loan Officers.
Fresno FHA Home Mortgages
Fresno FHA Home Loans
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
A Fresno FHA Home Loans 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 Fresno FHA home loan is consistent employment history and documented income.
Fresno VA Home Mortgages
Fresno VA Home Loans
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
A Fresno VA Home Loans is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Fresno California. 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.
Fresno USDA Home Mortgages
Fresno USDA Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
A Fresno USDA Home Loans 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.
Fresno Native American Home Mortgages
Fresno Native American Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
A Fresno Native American Home Loans, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Fresno Native Americans. This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.
Fresno Conventional Home Mortgages
Fresno Conventional Home Loans
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
A Fresno Conventional Home Loans 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.
Fresno Jumbo Home Mortgages
Fresno Jumbo Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
A Fresno Jumbo Home Loans 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).
Fresno Non Qualified Home Mortgages
Fresno Non Qualified Home Loans
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
A Fresno Non-Qualified-Home 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.
Fresno Reverse Home Mortgages
Fresno Reverse Home Loans
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
A Fresno Reverse Home Loans, also known as a home equity conversion mortgage, is a type of loan available to homeowners typically aged 62 or older, allowing them to convert part of the equity in their home into cash. Unlike a traditional mortgage where the borrower makes monthly payments to the lender, a reverse mortgage pays the homeowner, either through a lump sum, monthly payments, or a line of credit.
Why Fresno is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates & Fees
Exceptional Service
7 Day a Week Support Application to Funding