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Get the Best Mortgage with our Price Match Guarantee

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Buy a home or refinance with Capital Bank and we’ll donate $1,000 Wounded Paw Project.1

Ready to start saving?

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 the Wounded Paw Project for every closed loan.

Financial Coaching

We work 1-1 with you to determine your best path to homeownership.

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Trusted by Thousands of Homeowners Nationwide

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Frequently Asked Questions

Do I need to put down 20%?

Not necessarily! Many loan options let you buy a home with less than 20% down. With a Conventional loan, you may only need 3-5% down if you’re a first-time homebuyer, though you’ll pay Private Mortgage Insurance (PMI). FHA loans require just 3.5% down and include Mortgage Insurance Premiums (MIP). If you’re a veteran, VA loans offer even lower or no down payment options. Let’s find the best fit for you!

What’s the difference between being “pre-qualified” and “pre-approved”?

A pre-qualification is a quick estimate of what you might qualify for based on basic financial info.

A pre-approval goes a step further—we review your credit, income, and assets to give you a conditional commitment for a specific loan amount. While some steps, like the appraisal and title work, still need to be completed, a pre-approval shows sellers you’re a serious buyer.

How can I build my credit score?

Building credit takes time, but tools like OpenSky’s Secured Visa® Credit card can help. With a secured card, your credit limit is based on your security deposit, and you can use it just like a regular credit card for everyday purchases—gas, groceries, or bills. By making on-time payments, you show lenders you can manage credit responsibly and since OpenSky reports to all three major credit bureaus every month, your good habits can help boost your score! Connect with our team today to learn more about our free 1-1 Financial counseling options and if an OpenSky Secured Visa® Card is right for you.

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.

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