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VA Loans If you are a veteran, thank you for your service! The entire Capital Bank Home Loans team appreciates the sacrifices you have made in defending our country. If you are reading this, then you are most likely considering buying a home and would like to know more about VA loans. VA home loans […]
You may be in the market for a home, but not so fast! Before you start shopping for a home, it’s important to understand financing—more specifically, the difference between a fixed-rate or adjustable-rate (ARM) mortgage. Both have their pros and cons—and it all depends on how long you want to spend in the home and […]
With mortgage rates at historic lows, more people than ever are refinancing their mortgages. These opportunities apply to your primary home as well as your investment property. When you refinance an investment property, there are things you should consider like your existing interest rate, closing costs associated with refinancing, and determining the type of loan […]
When homeowners need extra cash, they often borrow against the equity in their home, known as home equity loans or lines of credit (HELOC). Let’s explore the options of cash-out refinance vs. HELOC. Cash Out Refinance vs HELOC A HELOC allows you to borrow against the equity in your home to draw out cash when […]
What Happens When COVID Mortgage Deferment Ends? As families and individuals alike struggle to recover from the numerous hardships caused by COVID-19, some may wonder how to proceed when the time comes for their COVID-19 mortgage deferment to end. Depending on the borrower, COVID-19 forbearance could apply to a home mortgage, student loans, or any […]
Home has become more important than ever these past few months. It’s our safe space. Being quarantined, though, can make us view home in a new light – and inspire us to make changes to the property to benefit the whole family. So if you’re considering updating a bathroom, remodeling the kitchen, or making other […]
With interest rates at historical lows right now, mortgage interest rates are holding steady, too. So it may make sense to refinance – get a new home loan and pay off the old one. There are several things to look into and factors to consider before you decide, but it boils down to this: Will […]
When shopping for a mortgage, lenders will typically provide two different numbers to show the cost of borrowing the money. The mortgage interest rate, which is related to the cost of borrowing the principal amount of the loan. It is the cost you will pay each year to borrow the money, expressed as a percentage […]
Most people Googling “how to buy a home” soon find out that credit score plays a big role in getting a mortgage. Your credit score shows lenders how to rate you as a borrower. Lenders want evidence that you pay bills and repay loans. A history of using credit plus a good credit score give […]
