At Capstone Home Loans, we offer a range of loan programs to meet the diverse needs of our clients. Our loan programs include:

1. Conventional Loans: These are traditional mortgage loans that conform to the guidelines set by Fannie Mae and Freddie Mac. They offer competitive interest rates and flexible terms for borrowers with good credit scores.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are designed for first-time homebuyers and those with lower credit scores. They require a lower down payment and have more lenient qualification criteria.

3. VA Loans: Exclusively available to eligible veterans, active-duty service members, and their spouses, VA loans provide favorable terms, including no down payment requirement and lower interest rates.

4. Jumbo Loans: For those looking to finance higher-priced properties, jumbo loans exceed the loan limits set by Fannie Mae and Freddie Mac. They offer various fixed and adjustable-rate options.

5. USDA Loans: Ideal for borrowers in rural areas, USDA loans are backed by the United States Department of Agriculture. They offer low or no down payment options to help individuals and families achieve homeownership in eligible rural regions.

6. Renovation Loans: Our renovation loan programs provide financing for purchasing a property in need of repairs or updating. These loans include the cost of renovations, allowing buyers to customize their homes.

7. Adjustable-Rate Mortgages (ARMs): ARMs offer an initial fixed-rate period followed by an adjustable interest rate. They are suitable for borrowers who plan to sell or refinance their homes before the initial fixed-rate expires.

Please note that loan eligibility requirements, interest rates, and terms may vary depending on factors such as creditworthiness, loan amount, and current market conditions. Contact us or visit our website to learn more about our loan programs and find one that suits your specific needs.