Get the Best Mortgage Rate With Our Price-Match Guarantee
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Why Capital Bank Home Loans
Price Match Guarantee
We guarantee the best pricing whether it’s a purchase, refi, or investment property.2
Give Back by Taking Part
We donate $1,000 to EANGUS with every closed loan; $500 to your state chapter, $500 to National.
Financial Coaching
We work 1-1 with you to determine your best path to homeownership.
Complimentary Membership Dues
Enjoy a year of EANGUS membership on us.3
Trusted by Citizen-Soldiers like you
Last month, I had the privilege of using Capital Bank for my Veterans Home Loan, and I couldn’t be more impressed with the experience. Their team was professional, responsive, and truly made the process smooth from start to finish.
What makes it even better is Capital Bank’s partnership with EANGUS and their $500 donation program, which directly supports EANGUS through every home loan they process. Knowing that my loan also contributed to giving back to the EANGUS family made the experience even more meaningful.
Capital Bank not only delivered great service—they also demonstrated a real commitment to those who have served. I’m proud to recommend them to my fellow EANGUS members.
…We were in the process of purchasing a home and had already been approved with another lender when we came across Capital Bank through the EANGUS Minuteman Update. After deciding to compare options, we were not only impressed by Capital Bank’s competitive rates, but also by the outstanding level of customer service provided… [their] efforts made a significant difference in our home buying experience.
Frequently Asked Questions
What’s the difference between Annual Percentage Rate (APR) and Interest Rate?
The interest rate is the cost of borrowing the money.
The APR includes the interest rate plus fees and other loan costs, giving you a better picture of the total cost over time. Think of it this way: the interest rate tells you what you’ll pay for the loan itself, while the APR shows the bigger picture, including extra fees.
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
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.
Does a Capital Bank Home Loan have discount points?
You always have the option to buy down the interest rate by paying discount points.
How can I build my credit score?
Building credit starts with a few key habits:
- Pay bills on time — your payment history is the biggest factor in your credit score.
- Keep balances low — using too much of your available credit can hurt your score.
- Avoid opening too many new accounts at once — each application can cause a small, temporary dip.
- Check your credit report regularly to catch any errors.
One way to get started is with a secured credit card. For example, the OpenSky Secured Visa® lets you open an account with a refundable deposit (as low as $200) and reports monthly to all three major credit bureaus. Use it for everyday purchases, pay on time, and you’re on your way to better credit.