Santa Ana Home Mortgages

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Santa Ana Mortgage Lender

Welcome to Capital Home Mortgage Santa Ana, a trusted Santa Ana Mortgage Lender dedicated to providing homebuyers and homeowners Santa Ana Home Mortgages with competitive Santa Ana 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 Santa Ana 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 Santa Ana Loan Officers and get started on your path to homeownership!

Santa Ana Mortgage Rates

Santa Ana Real Estate Market

As of November 2024, the Santa Ana, California real estate market has exhibited notable activity:

Home Prices
  • The median sale price for homes in Santa Ana was approximately $840,000, reflecting an 11.6% increase compared to the same period last year
Market Competitiveness
  • The market is considered very competitive, with homes typically receiving multiple offers and selling for about 1% above list price. On average, properties go pending in around 41 days, with “hot” homes selling even faster, often within 23 days and at prices about 4% above list
Inventory and Sales Volume
  •  In November 2024, there were 341 homes listed for sale, marking a 7.6% decrease from the previous month. This reduction in inventory can contribute to increased competition among buyers.
Days on Market
  • Homes in Santa Ana spent an average of 32 days on the market in November 2024, which is an 18.5% increase from the same period last year, indicating a slight slowdown in the speed of transactions.

Overall, the Santa Ana housing market remains robust, characterized by rising home prices and strong buyer demand, despite a slight increase in the average time properties spend on the market.

Santa Ana Home Loans

Capital Home Mortgage Santa Ana is a full-service Santa Ana Mortgage Lender that offers a complete line of home loans to meet all Santa Ana Residents lending needs: Santa Ana Purchase Home Mortgages, Santa Ana Renovation Home Mortgages, Santa Ana Construction Home Mortgages, Santa Ana Manufactured Home Mortgages, Santa Ana Rate and Term Refinance Home Mortgages and Santa Ana Cash Out Home Mortgages.

Santa Ana Purchase Home Mortgages

Purchase a Santa Ana 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 Santa Ana is committed to providing Bakersfield homebuyers with a comprehensive range of Santa Ana 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 Santa Ana, we strive to make the process as quick and easy as possible, while ensuring you make the best financial decision for your future.

Santa Ana Refinance Home Loans

Santa Ana Rate & Term Refinance

  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Santa Ana 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.

Santa Ana Cash Out Home Loans

Santa Ana Equity Mortgage Loans

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

Santa Ana 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.

Santa Ana Construction Home Loans

Build Your Santa Ana Dream Home

  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Santa Ana 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.

Santa Ana Renovation Home Loans

Looking to Rehab a Santa Ana Home?

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

Want a new Santa Ana 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 Santa Ana offer all types of Santa Ana 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.

Santa Ana Manufactured Home Loans

Santa Ana Alternative Housing

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

A Santa Ana 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 Santa Ana Manufactured Home Mortgages.

Santa Ana Purchase Mortgages

Capital Home Mortgage Santa Ana is a full-service Santa Ana Mortgage Lender that offers a complete line of home loans.  Whether you are a first-time purchaser seeking a Santa Ana FHA Home Mortgages, looking for a rural property and needing a Santa Ana USDA Home Mortgages, a Native Californian wanting to use the HUD 184 Santa Ana Native American Home Mortgages , an active or retired veteran in need of a Santa Ana VA Home Mortgages , wanting to purchase that dream home over conforming limits with a Santa Ana Jumbo Home Mortgages, a seasoned buyer in need of a Santa Ana Conventional Home Mortgages or looking for alternative financing with a Santa Ana Non QM Home Mortgages we are here to assist.

Call today (888) 620-7744 to talk to one of our Santa Ana Loan Officers.

Santa Ana FHA Home Mortgages

1st Time Santa Ana Homebuyers

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

A Santa Ana 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 Santa Ana FHA home loan is consistent employment history and documented income.

Santa Ana VA Home Mortgages

100% Loans for Santa Ana Veterans

  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

A Santa Ana VA Home Loans is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Santa Ana 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.

Santa Ana USDA Home Mortgages

  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

100% Santa Ana Rural Home Loans

A Santa Ana 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.

Santa Ana Native American Home Mortgages

Santa Ana Hud 184 Home Loans

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

A Santa Ana Native American Home Loans, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Santa Ana Native Americans. This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Santa Ana Conventional Home Mortgages

Flexibility for Santa Ana Buyers

  • Primary, 2nd Home, Investment
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Terms
  • Renovation Programs Available

A Santa Ana 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.

Santa Ana Jumbo Home Mortgages

Santa Ana Non-Conforming Loans

  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

A Santa Ana 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).

Santa Ana Non Qualified Home Mortgages

Santa Ana Mortgages Possible

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

A Santa Ana 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.

Santa Ana Reverse Home Mortgages

Your Santa Ana Home at Work

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

A Santa Ana 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 Santa Ana 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

Santa Ana Mortgage Team

Dale-Gremillion

Dale Gremillion

Sr Loan Officer
NMLS #210325
Conor-Hayhurst

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859

Santa Ana Mortgage Company Reviews

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