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Jumbo loans offer flexible loan terms

Most customers choose a 30-year mortgage, but we do offer shorter loan terms. By choosing a shorter loan term, you will pay your loan down faster and save thousands in interest expenses.

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30-Year Fixed Rate

The most popular mortgage product in the United States. Make stable payments at a fixed interest rate over a 30 year period.

20-Year Fixed Rate

Pay your loan down 10 years faster than the standard 30-year mortgage.

15-Year Fixed Rate

Pay off your loan at twice the speed with a 15-year loan term.

10-Year Fixed Rate

Our shortest loan term available - reach 100% equity in 10 years.

Qualifying for a Jumbo Mortgage

Jumbo loans are larger, riskier loans that have tougher qualification requirements. In most cases, you'll need to make at least a 10% down payment to qualify.

Down payment

Finance up to

Debt-to-income

680

Credit score

$3.5 million

Max loan amount

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A family standing in front of their new home, which was financed with a Jumbo mortgage.

Jumbo Mortgage Benefits

Avoid paying for private mortgage insurance (PMI)

Your Jumbo loan will not require PMI if you have at least 20% equity. Like conventional loans, PMI can also be cancelled once you have satisfied equity requirements.

Flexible loan terms available

CapCenter offers shorter loan terms on Jumbo loans, which range from 30-years to 10-years. Jumbo loans also provide an adjustable rate option.

Finance a vacation home or investment property

Jumbo loans may be used to finance vacation homes and investment properties.

Why choose CapCenter?

Unbelievable savings.

Most lenders charge closing costs between 1-3% of your loan amount, which can make buying or refinancing expensive. CapCenter offers ZERO Closing Cost mortgages, making homeownership more affordable by saving you thousands.

Competitive interest rates.

Sure they offer Zero Closing Costs, but they probably charge a higher rate, right? The answer is no. We price our interest rates to compete with prevailing market interest rates.

Expert service.

CapCenter has been providing savings and service for over 25 years. Our team is committed to helping you reach your financial goals according to your timeline.

Transparent pricing.

Our website pricing is real-time, accurate, and customized to your unique loan scenario.

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Frequently asked questions

What is the conventional loan limit in my area?

The conforming loan limit is currently $806,500 for most locations in the United States. Certain high cost areas are subject to a higher limit, which may go up to $1,209,750. High cost areas within CapCenter's service area mostly include counties within the Washington DC metro.

What is the difference between a Jumbo loan and a Conventional loan?

Jumbo loans are conventional loans that exceed the conventional loan limit set by the Federal Housing Finance Agency (FHFA). Conventional loans that fall within loan limits are called "conforming" loans. Jumbo loans receive special designation since they are riskier for lenders. As such, Jumbo loans have tougher qualification requirements when compared to conforming conventional loans.