- Conventional Loans: Capstone Home Loans offers conventional loans, which are fixed-rate mortgages that conform to the loan limits set by Fannie Mae and Freddie Mac. These loans typically require a down payment of at least 3%.

- FHA Loans: The company offers FHA loans, which are insured by the Federal Housing Administration. These loans are suitable for borrowers with lower credit scores or who cannot afford a large down payment, as they typically require a down payment of 3.5%.

- VA Loans: Capstone Home Loans provides VA loans, which are guaranteed by the U.S. Department of Veterans Affairs. These loans are available to eligible veterans and active-duty military personnel and offer benefits such as no down payment requirement and flexible qualification criteria.

- USDA Loans: The company offers USDA loans, backed by the U.S. Department of Agriculture for eligible borrowers in qualifying rural areas. These loans often come with favorable terms and may require no down payment.

- Jumbo Loans: Capstone Home Loans provides jumbo loans for borrowers who need financing above the conventional loan limits. These loans are suitable for high-value properties and may have different underwriting requirements.

- Refinance Loans: The company offers refinancing options for homeowners looking to lower their interest rates, shorten their loan term, or tap into their home's equity. Capstone Home Loans can assist with both rate-and-term and cash-out refinances.

- Fixed-Rate Mortgages: Capstone Home Loans provides fixed-rate mortgages, where the interest rate remains constant throughout the loan term. This stability allows borrowers to budget more easily and plan their finances accordingly.

- Adjustable-Rate Mortgages (ARM): The company offers adjustable-rate mortgages that have an initial fixed-rate period followed by potential adjustments based on market conditions. These loans can be beneficial for borrowers who plan to sell or refinance before the introductory rate ends.

- Construction Loans: Capstone Home Loans offers construction loans to finance the construction of a new home. These loans typically have a short-term duration and may transition into a permanent mortgage after construction is complete.

- Reverse Mortgages: The company provides reverse mortgages for qualified homeowners aged 62 and older, allowing them to convert their home equity into tax-free cash without making monthly mortgage payments.

Please note that the provided content is based solely on the information provided and may not be an exhaustive list of all loan programs offered by Capstone Home Loans. For more detailed and up-to-date information, it is recommended to visit their official website or contact their team directly.