Selecting a mortgage lender in Charleston, SC is about more than rates — it’s about confidence, clarity, and support. At CapCenter, we’ve guided thousands of families throughout South Carolina in purchasing and refinancing homes with no closing costs, competitive rates, and service tailored to their needs.
CapCenter has been proudly serving South Carolina homebuyers since 2006, providing transparent lending and no closing cost mortgages. With a local office right here in Charleston, our team understands the Lowcountry market and is committed to helping Charleston 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 Charleston Metro and fast-moving neighborhood trends.
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We work to deliver great pricing for purchases and refinances across Charleston, Mount Pleasant, and Summerville.
Today's rates in Charleston, SC
Bundle your no closing cost mortgage with our Charleston-based Real Estate team for additional savings!
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Since opening our doors in South Carolina, CapCenter has built a strong track record in Charleston 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 $168 million in mortgages for South Carolina residents.
Over 800 South Carolina households have trusted CapCenter with their home loan needs.
South Carolina residents have saved over $2 million with the CapCenter no closing cost model.
Charleston 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 Charleston and Lowcountry homeowners — covering everything from loan programs and rates to closing timelines and pre-approvals.
Many lenders serve Charleston. Homebuyers choose CapCenter for zero closing cost options, competitive rates, and local Lowcountry 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 South Carolina, including Charleston, Summerville, Mount Pleasant, and West Ashley.
Most closings in South 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 in Charleston and across South Carolina.
While rates vary daily, Charleston 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 Charleston homeowners.
