When it comes to finding the best mortgage lender in Richmond, homebuyers and homeowners have trusted CapCenter since 1996. Founded right here in Richmond, we’ve helped Virginia families save thousands with zero closing cost mortgages, competitive rates, and expert guidance - all delivered by local loan officers who understand the Richmond metro area.
CapCenter has been proudly serving Virginia with no closing cost mortgages and top-rated real estate agents since 1996. With a local office right here in Glen Allen, VA, our team understands the Central VA market and is committed to helping Richmond 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 a local team of loan officers who understand Henrico, Hanover, Chesterfield, and fast-moving neighborhood trends.
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We work to deliver great pricing for purchases and refinances across the Richmond area.
Today's rates in Richmond, VA
Bundle your no closing cost mortgage with our Richmond Real Estate team for additional savings!
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Since opening our doors in 1996, CapCenter has built a strong track record in Richmond 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 $2.3 billion in mortgages for Richmond and Central VA residents.
Over 10,000 Richmond households have trusted CapCenter with their home loan needs.
Central Virginia residents have saved over $30 million with the CapCenter no closing cost model.
Looking for the best mortgage lenders in Richmond? Public 2024 mortgage-origination data shows how local lenders stack up on average rate and closing costs. CapCenter offers the same competitive rates with no closing costs, helping Richmond homebuyers keep more cash at closing.
The table above was created using select Richmond metro 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.
Visit our Glen Allen, VA office in Innsbrook, just off of Cox Road.
Richmond 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 homeowners in Richmond and Central Virginia — covering everything from loan programs and rates to closing timelines and pre-approvals.
Many lenders serve Richmond. Homebuyers choose CapCenter for zero closing cost options, competitive rates, and local Hampton Roads 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 Virginia, including all cities in the Central Virginia region such as Henrico, Hanover, Chesterfield, Powhatan, and more!
Most closings in Richmond 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 affordable mortgage options such as HomeReady and HomePossible Loans. Read our article, "Affordable Mortgage Options for First-time Homebuyers," for a detailed explanation of these programs.
