Capital Home Loans

A mortgage refinance is simply replacing your current home loan with a new one.

Homeowners typically refinance to:
✔️ Lower their interest rate
✔️ Reduce their monthly payment
✔️ Change their loan term
✔️ Access home equity for renovations, debt consolidation, or other expenses

Refinancing isn't the right move for everyone, but in the right situation, it can help you save money or better align your mortgage with your goals.

Have questions about whether refinancing makes sense for you? Let's chat!

Before you start house hunting, make sure you're mortgage-ready!

Your credit score is only one piece of the puzzle. Employment history, debt levels, large bank deposits, and new credit accounts can all impact your approval.

A quick conversation with a lender can help you understand where you stand and what to avoid before closing.

Questions? Reach out anytime!

Today we’re celebrating all the moms, grandmas, stepmoms, mother figures, and women doing the everyday work that holds it all together.
Happy Mother’s Day from all of us at Capital Home Loans 🤍

Rates have been holding pretty steady in the mid-6% range lately, give or take depending on the day 📊

It’s not what buyers were used to a few years ago, but we’re seeing more people adjust and move forward when the numbers make sense.

It’s also worth noting ➡️ rates this time last year were over a point higher than they are today. And while the 2–4% range felt normal for a while, that was actually a pretty rare window historically.

What we’re seeing right now:
• Seller concessions are back in play more often
• More conversations around different loan programs
• Buyers focusing on monthly payment over rate
• More flexibility than people expect

It’s not about timing the market perfectly - it’s about putting the right plan together.

*Rates and loan programs vary based on credit, loan type, and individual qualifications.

Not every buyer fits into a traditional loan - and that’s where these options come in.

Here are a few alternative programs worth knowing about 👇

1️⃣ Doctor Loans
Designed for medical professionals, these programs can offer low or no down payment options and take future income into account - helpful when you’re just getting started in your career.

2️⃣ Bank Statement Loans
Self-employed? This one’s for you. Instead of traditional income docs, lenders look at your bank statements to better reflect your real cash flow.

3️⃣ DSCR Loans
For investors looking to grow. These loans are based on the property’s income potential - not your personal income - making it easier to expand your portfolio.

Different paths, same goal: getting you where you want to be.

If you’re not sure which route makes the most sense, we’re here to help you figure it out 👍

Big bank ≠ better loan.

Working with Capital Home Loans gives you:
• more loan options tailored to your situation
• faster, local communication (no call centers)
• a team that understands our Northwest Ohio market
• and real people who are invested in getting you to the closing table

When things need to move quickly - or get a little tricky - you want a local team like Capital in your corner. Contact our team to day to get started!

https://mycapitalhomeloans.com/

If today brings luck, we’ll take it ☘️
If it brings the right house… even better 😉

Happy St. Patrick’s Day!