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.