Finding the best mortgage lender in Raleigh, NC is about more than just interest rates — it’s about trust, transparency, and guidance. At CapCenter, we’ve helped thousands of families across North Carolina buy and refinance homes with no closing costs, competitive rates, and personalized service.
CapCenter has been proudly serving North Carolina homebuyers since 2006, providing transparent lending and no closing cost mortgages. With a local office right here in Cary, NC, our team understands the Triangle market and is committed to helping Raleigh families 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 Wake County, The Triangle, and fast-moving neighborhood trends.
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We work to deliver great pricing for purchases and refinances across Raleigh, Durham, Cary, and Apex.
Today's rates in Raleigh, NC
Since opening our doors in North Carolina, CapCenter has built a strong track record in Wake County 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 $230 million in mortgages for Wake County residents.
Over 1,000 Raleigh, NC households have trusted CapCenter with their home loan needs.
Raleigh residents have saved over $2 million with the CapCenter no closing cost model.
CapCenter has a 4.6 star rating on Google from our mortgage clients.
Raleigh homeowners 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 Raleigh and Triangle homeowners — covering everything from loan programs and rates to closing timelines and pre-approvals.
Many lenders serve Raleigh. Homebuyers choose CapCenter for zero closing cost options, competitive rates, and local Triangle 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, Durham, Cary, Apex, and Chapel Hill.
Most closings in Wake County and the Triangle 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 in Raleigh and across North Carolina.
While rates vary daily, Raleigh 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 Wake County homeowners.
