San Jose Home Mortgages
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San Jose Mortgage Lender
Welcome to Capital Home Mortgage San Jose, a trusted San Jose Mortgage Lender dedicated to providing homebuyers and homeowners with competitive San Jose 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 mortgage lender, Capital Home Mortgage San Jose 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 San Jose Loan Officers and get started on your path to homeownership!
San Jose Real estate Market
As of December 2024, the San Jose, California real estate market remains highly competitive, characterized by rising home prices and swift sales. Key indicators include…
home Prices
- The median sale price for homes in San Jose is approximately $1.5 million, reflecting a 14.2% increase compared to the same period last year.
Market Competitiveness
- Homes in San Jose typically receive multiple offers and sell in about 20 days, often for approximately 6.2% over the asking price, indicating strong buyer demand and limited inventory.
Inventory and Sales Volume
- The market continues to experience low inventory, contributing to increased competition among buyers and upward pressure on home prices.
Days on market
- Properties in San Jose spend an average of 15 days on the market before going pending, underscoring the rapid pace of transactions.
These trends highlight the robust nature of San Jose’s housing market, driven by high demand, limited supply, and the area’s strong economic fundamentals.
San Jose Home Loans
San Jose Purchase Home Mortgages
Purchase a San Jose Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Capital Home Mortgage San Jose is committed to providing San Jose homebuyers with a comprehensive range of San Jose 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 San Jose, we strive to make the process as quick and easy as possible, while ensuring you make the best financial decision for your future.
San Jose REfinance Home loans
San Jose Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
San Jose 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.
San Jose Cash out Home Loans
San Jose Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
San Jose 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.
San Jose Construction Home Loans
Build Your San Jose Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
San Jose 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.
San Jose Renovation Home Loans
Looking to Rehab a San Jose Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
Want a new San Jose 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 San Jose offer all types of San Jose 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.
San Jose Manufactured Home Loans
San Jose Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
A San Jose 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 San Jose Manufactured Home Mortgages.
San Jose Purchase Mortgages
Capital Home Mortgage San Jose is a full-service San Jose Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a San Jose FHA Home Mortgages, looking for a rural property and needing a San Jose USDA Home Mortgages, a Native Californian wanting to use the HUD 184 San Jose Native American Home Mortgages , an active or retired veteran in need of a San Jose VA Home Mortgages , wanting to purchase that dream home over conforming limits with a San Jose Jumbo Home Mortgages, a seasoned buyer in need of a San Jose Conventional Home Mortgages or looking for alternative financing with a San Jose Non QM Home Mortgages we are here to assist.
Call today (888) 620-7744 to talk to one of our San Jose Loan Officers.
San Jose FHA Home Mortgages
1st Time San Jose Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
A San Jose 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 Bakersfield FHA home loan is consistent employment history and documented income.
San Jose VA Home Mortgages
100% Loans for San Jose Veterans
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
A San Jose VA Home Loans is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in San Jose 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.
San Jose USDA Home Mortgages
100% San Jose Rural Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
A San Jose 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.
San Jose Native American Home Mortgages
San Jose Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
A San Jose Native American Home Loans, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered San Jose Native Americans. This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.
San Jose Conventional Home Mortgages
Flexibility for San Jose buyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
A San Jose 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.
San Jose Jumbo Home Mortgages
San Jose Non-Conforming Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
A San Jose 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).
San Jose Non Qualified Home Mortgages
San Jose Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
A San Jose 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.
San Jose Reverse Home Mortgages
Your San Jose Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
A San Jose 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 San Jose 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