Work With a Frederick, MD Home Loan Expert

Our mortgage lenders can help you with interest rates, fast closing, and superior service. Whether you’re buying your first home in Frederick, MD, or refinancing, we can help!

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Choose Frederick, MD's Top-Rated Mortgage Lenders!

Frederick, MD town center

Since 1999, Capital Bank has proudly served the Frederick, MD community with banking and home lending.

Today, we have over 200 employees and are honored to be a leader in the mortgage industry. Capital Bank offers a wide array of home financing services with competitive rates, a simple credit approval process, and knowledgeable loan officers.

Whether you’re seeking financing on your first home, refinancing your house for a lower interest rate, or purchasing an investment property, our Frederick, MD mortgage lenders will work with you every step of the way.

Most Popular Neighborhoods In Frederick, MD

Veterans Flock to Clover Hill!

  • Clover Hill is largely shaped by the 6.1% of employed workers who are active in the military, making it a higher proportion than 99.2% of American neighborhoods.
  • The active military makeup of this neighborhood is a major shaper of its culture and character.

The Villages of Urbana is the Perfect Spot For Families to Settle

  • The Villages of Urbana neighborhood is a planned, mixed-use community just a few minutes south of downtown Frederick with amenities such as a community center, pools and tennis courts, newly built top-rated schools as well as a new, state-of-the-art public library.
  • The hiking/biking trails, and pedestrian pathways connect several residential villages to one another and to a market district, giving residents convenient access to all of their needs.

Braddock Heights is Among the Top Retiree-Friendly Neighborhoods

  • Braddock Heights is rated as among the top 5.3% of retiree-friendly neighborhoods in Maryland, combining peace and quiet, safety from crime, and offering diverse housing options from which retirees can choose.
  • Residents of Braddock Heights are welcome to enjoy a number of senior services offered.

Choose the Home Loan Option Right for You

Frederick, MD home loans

Conventional Loans

The most common loan type with 15-year or 30-year fixed-rate options. A conventional loan is a non-government-backed loan.

Frederick, MD VA loans

VA Loans

The VA loan is a $0 down mortgage option available to Veterans, Service Members, and select military spouses.

Frederick, MD USDA loans

USDA Loans

USDA loans are available to those with an average salary and a good credit score to buy a home in a rural or suburban area.

Refinance your mortgage in Frederick, MD

Refinance Loans

Refinancing replaces your current mortgage loan with potentially better rates, terms, and may also allow you to tap into home equity.

Frederick, MD home equity loans

Home Equity Loans

Also known as a second mortgage, home equity loans allow homeowners to borrow from the equity in their homes to get cash out as a collateralized loan.

Frederick, MD FHA loans

FHA Loans

These loans are insured by the Federal Housing Administration, primarily for first time homebuyers, and require a lower minimum credit score and down payments.

Customer Quotes

Akua Harris

“I loved working with Capital Bank to obtain a mortgage. Everyone is so nice, competent and efficient. Lola Pol is the most knowledgeable professional in this business I’ve ever encountered and her team is the best! If you need a mortgage or refi this is the place to go for an efficient process and caring assistance. They go the extra mile!”

James Moore

“Although it was a long distance business relationship, Capital Bank’s personnel made the process very simple.”

Colin Boteler

“Our loan officer was great! Joseph was very communicative and helpful along the way. We were extremely happy with the way things moved along once we agreed to move forward with Capital Bank. Thanks!”

Loan Officer

Speak to one of our experienced Frederick, MD loan officers today

Our home lending experts are available to answer all your mortgage questions.

NMLS# 455846

Resources for Frederick, MD Home buyers

First Time Home Buyers Guide

Planning to buy your first home? Start here to learn how to put all the pieces together – avoid common mistakes and find a home that fits your life and budget.

Frederick, MD City Website

Get to know Frederick, MD, view upcoming events, and get contact information for City resources.

Frederick County Tourism Website

Discover the rest of Frederick, MD with information on attractions, where to go, and more.