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 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 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.

See what our clients are saying about their experience

When another 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 Officer that was well versed in VA Home Loans. Enter Jodi Perry. Jodi secured a mortgage by pairing the VA H... Read Full Testimonial

When another 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 Officer 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, Jodi's client was able to pay off a credit card and put $2000 down on the home — all this without the homebuyer shelling out a penny from his pocket.

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... Read Full Testimonial

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% above market rate. The realtor referred the homebuyer to Mortgage Loan Officer 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.
See what veterans have to say about us!