Home Loan Programs

More Options. More Savings in Your Pocket.

There's no one-size-fits-all mortgage. That's why we give you personalized options to meet your exact needs. From 15-year conventional loans to FHA programs, we have you covered. And all our home loans have super low rates, no hidden lender fees, and come backed with our $10,000 on-time closing2 guarantee.

Your Loan. Your Way.

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Conv. Fixed v2

Conventional mortgages are traditional loan options for borrowers that may have more down payment and solid credit 

 

Conventional options typically include:

  • 30 Year Fixed
  • 20 year fixed
  • 15 year fixed
Learn More
FHA Gradient

FHA loans are insured by the Federal Housing Authority and are perfect for first-time home buyers or if you're unsure about your credit 

 

Choose an FHA loan if you:

  • Want a down payment as low as 3.5%
  • Need more lenient credit options
  • Need closing costs included in your loan
Learn More
VA Gradient

VA loans are for active and veteran military and offer flexible guidelines with fast approvals 

 

Choose a VA loan fixed if you:

  • Have served in the military
  • Are active duty personnel
  • Are in the reserves
Learn More

More Than a Mortgage

No Fees grayNo Lender Fees

No gimmicks. Just full transparency and no hidden lender fees 

 

 

Rates grayCompetitive Rates

Market busting rates keep your monthly payments low

 

 

24hr clockFast Closings

Finally, home lending created to meet your schedule

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How We Roll

Home Buying Upgraded

Buying your home should be fun and exciting. That’s why we’ve streamlined your experience from start to finish, making it simple and stress-free. With blazing fast technology and expert guidance along the way, it’s home buying for the digital age. 

1. Get Pre-Approved

Your home journey starts with completing a fast and digital mortgage application. This will tell you how much house you can afford and let’s realtors know you’re a serious house hunter. 

Get Started

 

2. Search Smart

Use our free nationwide MLS database to search for your home, connect with realtors, and access your pre-approval letter all from your mobile device. 

 Download Now

3. Lock Your Loan

Lock your loan through our digital portal or with one of our expert mortgage consultants. It's fast and easy and let's us begin processing your loan for closing. 

 

4. Close Virtually

A modern mortgage doesn't close at the attorney's office. Close when and how you want with our virtual closing, saving you valuable time and money. 

Get Started

1. Get Pre-Approved

Your home journey starts with completing a fast and digital mortgage application. This will tell you how much house you can afford and let’s realtors know you’re a serious house hunter. 

Get Started

 

2. Search Smart

Use our free nationwide MLS database to search for your home, connect with realtors, and access your pre-approval letter all from your mobile device. 

 Download Now

3. Lock Your Loan

Lock your loan through our digital portal or with one of our expert mortgage consultants. It's fast and easy and let's us begin processing your loan for closing. 

 

4. Close Virtually

A modern mortgage doesn't close at the attorney's office. Close when and how you want with our virtual closing, saving you valuable time and money. 

Get Started

Home Loans With Curb Appeal

You wouldn’t buy a home that doesn’t fit your needs, so why should your home loan be any different? At Wyndham Capital Mortgage, we work hard to give you the most personalized home loan options that are tailored for you. Plus, when you work with Wyndham Capital Mortgage you get instant access to the best tools for buying a home, like free mortgage calculators, fast underwritten mortgage pre-approvals, and the ability to compare mortgage rates in real-time, all from the comfort of home.


Home Loan Types

Wyndham Capital offers some of the industry’s most competitive rates on FHA, VA, and conventional loans. We recommend that you compare home loan options to find the one that best suits you.


FHA

FHA loans are popular among first-time home buyers and borrowers who may not have a large down payment or spectacular credit. Typically FHA loans only require a down payment of 3.5% for credit scores 640 or higher.


VA

VA loans are of the most attractive home loan options available for the bravest of them all. Whether you’re active duty or a veteran military member, VA mortgage loan benefits are second to none, requiring no down payment, no PMI, better interest rates and are accepting of low credit scores.


Conventional

Do you have great credit and a firm down payment? A conventional loan may be calling your name! Conventional loans offer better rates and can buy your “more house” than FHA loans.


Home Loan Rate & Term Options

One of the most frequently asked mortgage questions we get asked is: “should I get an adjustable or fixed-rate loan?” The answer to this depends on your financial goals and personal preferences. For instance, adjustable-rate mortgage loans are great if you’re not on a strict budget and want to take the gamble of a fluctuating interest rate month-to-month with the chance that you could end up with a lower rate. If taking chances isn’t your thing, fixed-rate mortgage loans give you the peace of mind that your loan interest payment will go unchanged for the life of your loan, leaving you with a predictable monthly mortgage payment each month.

Now, for the fun stuff. When choosing a home loan, you have the option of a 30, 20 or 15-year term. Choosing a home loan term depends on your current and future financial goals.


30-Year

A classic and commonly-chosen term, the 30-year mortgage loan is a great option for those looking to make more manageable monthly mortgage payments while saving all of life’s other major events.


20-Year

Not interested in a lengthy 30-year term but not ready for an aggressive 15-year mortgage loan? Meet the 20-year mortgage loan term! With predictable monthly payments and middle-of-the-road term length, the 20-year loan will save you money in the long run with a lower interest rate and interest payments than the 30-year.


15-Year

A 15-year home loan term is going to be a fast-acting, aggressive option best suited for those who want to build equity quickly, get the lowest interest rate, pay the least amount of interest over time, and have fewer mortgage payments. While this all sounds like a dream, there is one catch; a higher monthly mortgage payment than a 20 or 30-year term.

No matter what your home loan needs entail, Wyndham Capital is the direct mortgage lender to get the job done. Speak with one of our expert mortgage loan officers today to learn about all the ways Wyndham Capital Mortgage makes getting a home loan a walk in the park.