The Experience You Need.
The Rate You Deserve.
The Experience You Need.
The Rate You Deserve.
Great Rates. Fast Answers.
Support You Can Trust.
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Over 5,000 Customers Served
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4.87 Average Customer Review Ranking
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2,500+ 5-Star Reviews
My advice to homebuyers?
- Get Pre-Approved Early!
My team, with 27 years of top VA lender experience, offers great rates with no lender fees1– plus, we pride ourselves on providing a quick response to calls and texts for 1-1 support.
Explore Your Homebuying Options.
Get a Free Rate Quote
Why Capital Bank Home Loans
Lending Services Available in all 50 states
Conventional, FHA2, USDA, Refinancing + More
In-House Closing, Processing, and Underwriting teams
1-1 support to help you get to closing fast
Jumbo Loans
Competitive 2nd Home Financing
1-1 Financial Counseling + Credit Repair
Leverage internal resources, like an OpenSky Secured Credit Card, to build credit and secure your dream home
Down-Payment Assistance Programs
Teams specialized in finding and navigating down-payment assistance programs
Veteran-Focused Financing
Helping you leverage your earned benefit with expert, personalized support from start to close.
100% Financing Options3
No down payment required for eligible veterans
No Private Mortgage Insurance (PMI)
Lower monthly payments, more buying power
Expert VA Loan Team
We guide you through the entire VA process—including your COE
Streamlined Refinancing Options (IRRRL)
Lower your rate with minimal paperwork
Dedicated Military Support Line
Access to our veteran lending specialists any time
Trusted by Thousands of Homeowners Nationwide
Frequently Asked Questions
Do I need to put down 20%?
Not necessarily! Many loan options let you buy a home with less than 20% down. With a Conventional loan, you may only need 3-5% down if you’re a first-time homebuyer, though you’ll pay Private Mortgage Insurance (PMI). FHA loans require just 3.5% down and include Mortgage Insurance Premiums (MIP). If you’re a veteran, VA loans offer even lower or no down payment options. Let’s find the best fit for you!
What’s an Adjustable Rate Mortgage (ARM)?
An ARM is a home loan with an interest rate that changes over time based on market conditions. It typically starts with a lower fixed rate for a set period (e.g., 5 years), then adjusts at regular intervals (e.g., annually).
Rates can go up or down, but most ARMs have caps that limit how much they can change. If a cap holds your rate down during one adjustment, the difference may carry over to the next—so your payment could still rise even if rates stay flat.
ARMs can offer savings upfront but may cost more later, depending on interest rate trends and how long you keep the loan.
What’s the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate of what you might qualify for based on basic financial info.
A pre-approval goes a step further—we review your credit, income, and assets to give you a conditional commitment for a specific loan amount. While some steps, like the appraisal and title work, still need to be completed, a pre-approval shows sellers you’re a serious buyer.
Does a Capital Bank Home Loan have discount points?
You always have the option to buy down the interest rate by paying discount points.
Can I qualify for a Federal Housing Administration (FHA) loan?
An FHA loan is a government insured home loan with more flexible lending requirements than conventional mortgages. It’s available for homeowners with down payments as low as 3.5%. The lower credit score requirements may make it a good option for a first-time home buyer or a home buyer needing a lower down payment.
While mortgage insurance can be more costly than a Conventional loan, it could be a great option to get you into your first home