ZERO Closing Cost Refinances

Let’s cut to the chase. Refinancing often feels like a one-sided deal—lenders stack on closing costs, and no one’s really looking out for you.  You’re refinancing to get a better deal, yet somehow walk away paying thousands in fees before saving a single dime.

That’s not a better deal. That’s just business as usual.

At CapCenter, we’ve built our reputation by doing what other lenders won’t: eliminating all lender fees for refinances. That means no origination fee, no underwriting fee, no appraisal fee, no junk fees. We call it a ZERO Closing Cost Refinance, and it’s exactly what it sounds like.

First, What Are Closing Costs?

Closing costs are the toll booth between you and a better loan. They typically run 2% to 5% of your loan amount and are often required upfront, out-of-pocket. On a $300,000 mortgage, that’s $6,000–$15,000—money you hand over just to say “I do” to the new loan.

Common costs include:

• Loan origination fees

• Appraisal fees

• Title search and insurance

• Underwriting and processing fees

• Government recording fees

• Escrow and settlement charges

Imagine paying thousands in fees to save money. That’s like buying a discount with a premium.

Why We Eliminated Them

We’re not in the business of draining equity to line our own pockets. CapCenter was founded on a simple idea: refinancing should make financial sense. That’s why we cover your closing costs—not roll them in, not bury them in fine print, but actually cover them.

When we say ZERO Closing Cost Refinance, we mean it.

Rate Refinances: Save More, Pay Nothing to Do It

Let’s say you bought your home when rates were hovering around 7%. Today, you could lock in something closer to 6%—or even lower. That 1% drop on a $350,000 loan could save you over $200/month, and more than $70,000 over the life of the loan.

With most lenders, you’d be stuck paying $5,000–$7,000 in closing costs to access that lower rate. Not with us. With CapCenter, you lock in the lower rate, skip the fees, and keep 100% of the savings. No brainer.

Cash-Out Refinances: Your Equity, On Your Terms

Want to pull equity out of your home to fund a renovation, pay off debt, or cover major expenses? You shouldn’t have to fork over thousands just to access money you already own.

With a ZERO Closing Cost Cash-Out Refinance, you can borrow against your equity without the added financial friction. That means more of your money stays yours—and starts working for you faster.

That’s $6,000 you didn’t have to burn to access your own equity.

So... What’s the Catch?

There isn’t one. We’ve been offering ZERO Closing Cost loans for over 25 years. It’s not a gimmick or a promo—it’s how we do business. We’re able to do it because we streamline the process, cut out third-party markups, and keep everything in-house.

Here’s what you get when you work with CapCenter:

• Great Rates: We stay competitive without playing games.

• Fast Closings: We know time is money.

• Experienced Experts: Our team isn’t chasing commissions—they’re focused on getting you across the finish line.

• Zero Surprises: No fees hiding in the fine print.

Why Pay to Save?

If you’re considering a refinance—whether to lower your rate, pull cash out, or both—start by asking this:

Why would I pay to save money? At CapCenter, you don’t have to. We’ve helped thousands of homeowners refinance smarter. No fees. No nonsense. Just real savings and real service from people who know what they’re doing.