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LOAN SERVICING

A different kind of VA* Mortgage process

For those who served our country.

Expertise to get you into your home

Loan originators who are experts in the industry listen to your unique situation. Your dedicated VA Loan Originator is able to navigate you through the VA mortgage process – because we do it often. The real stories below show you how we’ve been successful at helping others like you.

Finding the right VA mortgage solution for you

A lower interest rate loan available for eligible service members, veterans and their families, we use a lower minimum credit requirement, making it easier for new home purchases and even refinances. Plus, a $0 down payment reduces stress of securing the traditional 20%, without the added cost of private mortgage insurance.

A transparent process

A fully digitized VA mortgage process with a personalized dashboard that keeps you informed the whole way through. Plus, there are no surprises at settlement, because there are no processing fees, no surcharges, no underwriting fees or other hidden costs. We are required to charge the VA Funding fee.

Tools & Resources to help build credit

We offer Being Money Smart a financial education resource center. Capital Bank also offers the OpenSky® Secured Visa® credit card, a secured Visa credit card that doesn’t require a credit check to apply, and reports to all three major credit bureaus, helping you build or rebuild your credit.

*A VA (Veterans Administration) guaranteed loan is a loan made by private lenders (such as banks, savings & loans, or mortgage companies) to eligible veterans. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military. Other loan programs and Adjustable Rate Mortgages are also available. Settlement charges such as recording fees may apply. This offer is subject to application and credit approval including income and collateral.

Real Customer Stories

5.0 rating

Limited cash, two homes, one solution...

Limited cash didn’t stop this first-time home buyer from moving into a new home, thanks to Mortgage Loan Originator Jodi Perry. The client had good credit but little cash towards a new home. The current home he was renting was under contract to be sold, so he had to move. Jodi suggested a Virginia Housing Development... Read Full Testimonial
Limited cash didn’t stop this first-time home buyer from moving into a new home, thanks to Mortgage Loan Originator Jodi Perry. The client had good credit but little cash towards a new home. The current home he was renting was under contract to be sold, so he had to move. Jodi suggested a Virginia Housing Development Authority (VHDA) loan and paired it with a Federal grant for first time homebuyers. Not only was the client able to purchase the home with no money down, he received 100% financing and 1.5% towards closing costs from the Federal grant.
5.0 rating

They saved my earnest money deposit

A borrower, doing contract work, put a $50,000 earnest deposit on a home. Shortly before his closing, another lender decided against making the loan to the borrower. If he didn’t close on time, he would lose his earnest money deposit. Mortgage Loan Originator Jerry Weeda jumped at the opportunity to help the clien... Read Full Testimonial
A borrower, doing contract work, put a $50,000 earnest deposit on a home. Shortly before his closing, another lender decided against making the loan to the borrower. If he didn’t close on time, he would lose his earnest money deposit. Mortgage Loan Originator Jerry Weeda jumped at the opportunity to help the client – Fast! The client didn’t fit the standard mortgage investor guidelines, so Jerry was able to help him secure financing in a loan directly with Capital Bank. Later, Jerry was able to help the borrower refinance the loan into a loan that met standard investor guidelines with a lower interest rate.
5.0 rating

Mom (and Capital Bank) to the rescue…

A couple had trouble getting a pre-approval from other lenders due to work history. Mortgage Loan Originator Brian Martucci asked the right questions and discovered that the client’s mother was going to be living in the home with them. She had commercial properties and a couple of residential properties. Mom became a... Read Full Testimonial
A couple had trouble getting a pre-approval from other lenders due to work history. Mortgage Loan Originator Brian Martucci asked the right questions and discovered that the client’s mother was going to be living in the home with them. She had commercial properties and a couple of residential properties. Mom became a co-applicant and with her assets and income, it was a done deal!
5.0 rating

Say “yes” to multifamily property…

A client wanted to purchase a multifamily property, living in one unit and renting the other. They were told initially that it required at least 20-25% down. He approached two lenders, but both said he needed a big down payment. With little cash in hand, they suggested a condo or small house instead. Mortgage Loan Orig... Read Full Testimonial
A client wanted to purchase a multifamily property, living in one unit and renting the other. They were told initially that it required at least 20-25% down. He approached two lenders, but both said he needed a big down payment. With little cash in hand, they suggested a condo or small house instead. Mortgage Loan Originator Brian Martucci said otherwise — the multi-family home was possible with a special loan program available in certain zip codes with 5% down. Although an option many lenders aren’t familiar with, Brian was — and so the client was on his way to home ownership.
5.0 rating

Bridging the gap between one home to another…

A borrower was in the market for a new home in Washington DC. He had a house to sell but no cash for a new purchase. Although he qualified in terms of debt-to-income ratio to cover both his current mortgage and a new mortgage, lenders denied his application because he could not raise the cash for the down payment on th... Read Full Testimonial
A borrower was in the market for a new home in Washington DC. He had a house to sell but no cash for a new purchase. Although he qualified in terms of debt-to-income ratio to cover both his current mortgage and a new mortgage, lenders denied his application because he could not raise the cash for the down payment on the new property without selling his current property first. One said he should sell his current property first, then move into a temporary rental, and then buy a new property. Another asked if he had a rich parent and could get gift money. With both options off the table, he came to Capital Bank. Mortgage Loan Originator Brian Martucci suggested a bridge loan, a short-term loan on his current property to finance the purchase of a new property. The suggestion paid off, as the client was able to pay the old and new mortgages, and thanks to the bridge loan had enough for 20% down payment and closing costs, which was paid off after he sold his old property.
5.0 rating

When other lender said he couldn’t qualify…

A first-time homebuyer was looking to get into a home with a VA Home Loan. Another lender told him that his residual income wouldn’t meet the standards to qualify. What he needed was to meet a Mortgage Loan Originator that was well versed in VA Home Loans. Enter Jodi Perry. Jodi secured a mortgage by pairing the VA H... Read Full Testimonial
A first-time homebuyer was looking to get into a home with a VA Home Loan. Another lender told him that his residual income wouldn’t meet the standards to qualify. What he needed was to meet a Mortgage Loan Originator that was well versed in VA Home Loans. Enter Jodi Perry. Jodi secured a mortgage by pairing the VA Home Loan with a grant from the Veterans Homeownership Down Payment Assistance Program. The other lender’s interest rate was a half point higher than Capital Bank, and with the grant funds, Jodi was able to bring it down another half point, resulting in a full point lower than the other lender. Plus, they paid off a credit card and put $2000 down on the home — all this without the homebuyer shelling out a penny from his pocket.
5.0 rating

Lender credit, lower rate, …

A veteran was buying a home from a large homebuilder with its own mortgage company. The builder was offering $15,000 incentive toward closing and escrow if you went with the in-house mortgage company. Six months later, the mortgage company quoted a rate with a 1% origination fee (about $7,000) and an interest rate 1% a... Read Full Testimonial
A veteran was buying a home from a large homebuilder with its own mortgage company. The builder was offering $15,000 incentive toward closing and escrow if you went with the in-house mortgage company. Six months later, the mortgage company quoted a rate with a 1% origination fee (about $7,000) and an interest rate 1% above market rate. The realtor referred the homebuyer to Mortgage Loan Originator Jerry Weeda. With a deadline of 21 days until closing, Jerry put the client into a VA Home Loan, and provided a lender credit of $10,000 and an interest rate about 1% lower. Since then, the client has referred seven people to Jerry.