Buying a home is one of life’s biggest decisions, and choosing the right lender makes all the difference. At CapCenter, we strongly believe we are the best mortgage lender in North Carolina by combining competitive rates, zero closing costs, and a commitment to putting our clients first. Whether you’re purchasing your first home, refinancing, or upgrading, our team of local experts makes the process simple, transparent, and stress-free—so you can focus on finding the home you love.
CapCenter has been proudly serving North Carolina homebuyers since 2006, providing transparent lending and no closing cost mortgages. With a local offices right here in Cary and Charlotte our team understands the North Carolina market and is committed to helping Carolinians achieve their homeownership goals.
Keep more cash at the closing table. Our approach helps reduce upfront costs without sacrificing service.
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Backed by loan officers who understand Charlotte, the Research Triangle, and the North Carolina coast.
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We work to deliver great pricing for purchases and refinances across the state of North Carolina, from Charlotte to Elizabeth City.
Today's rates in North Carolina
Bundle your no closing cost mortgage with our Raleigh-based Real Estate team for additional savings!
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Since opening our doors in North Carolina, CapCenter has built a strong track record across the state by delivering affordable home financing with unmatched transparency. Our impact is reflected in the numbers below, showing the trust and confidence local homeowners place in us.
CapCenter has originated over $940 million in mortgages for North Carolina residents.
Over 4,000 households have trusted CapCenter with their home loan needs across the Tar Heel state.
North Carolinians have saved over $8 million with the CapCenter no closing cost model.
CapCenter charges the lowest closing costs in the state of North Carolina. CapCenter offers the same competitive rates with no closing costs, helping North Carolina homebuyers keep more cash at closing.
The table above was created using select Raleigh Durham mortgage lenders from public mortgage origination data in 2024.
* Closing costs may include optional points to buy down your rate, which is not covered by CapCenter.
North Carolinians can use our free online tools to estimate monthly mortgage payments, check real-time mortgage rates, and see how much they could save with CapCenter.
Buying or refinancing a home often comes with plenty of questions. To help, we’ve compiled answers to the most common mortgage questions from North Carolina homeowners — covering everything from loan programs and rates to closing timelines and pre-approvals.
Many lenders serve North Carolina. Homebuyers choose CapCenter for zero closing cost options, competitive rates, and local expertise.
Yes. CapCenter offers zero closing cost home loans for eligible borrowers—ask for a Loan Estimate to compare your total costs.
Many programs start around a 620 FICO. Higher scores can unlock better rates and terms. Our loan officers can review your specific options.
Yes. We serve the entire state of North Carolina, including Raleigh, Charlotte, Greensboro, Wilmington, Elizabeth City, and Greenville.
Most closings in North Carolina can be completed in 30 days or less. At CapCenter, our streamlined process often helps buyers close even faster.
Yes. We provide FHA loans, down payment assistance options, and education resources tailored to first-time homebuyers across North Carolina.
While rates vary daily, North Carolina mortgage rates often track closely with national averages. Checking CapCenter’s real-time rates is the best way to see what’s available to you today.
Yes. Whether you want to lower your interest rate, shorten your loan term, or tap into your home’s equity, we provide refinancing options designed for North Carolina homeowners.
