Secure Your Dream Home,
Strengthen the Brotherhood
Best mortgage pricing guaranteed1—plus Capital Bank donates $1,0002 per loan to fund TKE scholarships and support leadership programming.
Explore Your Homebuying Options
See how much you can afford- no-obligation, no-hassle
Why Capital Bank Home Loans
Price Match Guarantee
We guarantee the best pricing for current members and Alums, whether you’re purchasing, refinancing, or investing in homeownership.
Give Back by Taking Part
We donate $1,000 to the TKE for every closed loan.
Financial Coaching
We work 1-1 with you to determine your best path to homeownership.
Trusted by Thousands of Homeowners Nationwide
Frequently Asked Questions
Does this program come with additional costs to me?
No, we actually anticipate leveraging this program could help you save money on your mortgage or refinancing. At Capital Bank, we are passionate about helping people on their path to homeownership, whether that’s buying a first home or planning for the future.
Additionally, the $1,000 donation to TKE is provided by Capital Bank, at no additional cost to the borrower.
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
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.3 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.