Our suite of mortgage products cover most home financing scenarios. We offer a diverse menu of solutions that share one thing in common - Zero Closing Costs. That's right, CapCenter covers all traditional closing costs across all mortgage types.
Conventional loans are one of the most popular mortgage options, offering flexible terms and competitive rates for a wide range of borrowers. Whether you’re buying your first home or upgrading to your next, our conventional loan programs provide straightforward solutions designed to fit your budget and goals.
The most popular loan option. Best for homeowners with good credit who prefer stable payments.
Buy a home with 1% down through a grant that is not repaid.
Buy a home with 0% down through a second loan repaid over 30 years.
An affordable Fannie Mae product with a low down payment of 3% and reduced mortgage insurance.
An affordable Freddie Mac product with a low down payment of 3% and reduced mortgage insurance.
Get up to a $4,500 grant to apply towards loan costs or lower your rate.
Get an introductory fixed rate for up to 10 years that adjusts every 6 months after.
Extends financing to those requiring larger loan amounts, starting at $806,500 in most areas.
FHA loans are designed to make homeownership more accessible, with flexible credit requirements and low down payment options. Backed by the Federal Housing Administration, these loans are a great choice for first-time buyers and those looking for a more affordable path to homeownership.
Offers easier qualification for homeowners working to improve their credit. Buy with as little as 3.5% down.
Refinancing made easy—cut your rate, skip the stress, and keep more money in your pocket with an FHA Streamline
Buy a home with 1% down through a grant that is not repaid.
Buy a home with 0% down through a second loan repaid over 30 years.
VA loans honor the service of veterans, active-duty military, and eligible spouses by making homeownership more affordable. With no down payment, no private mortgage insurance, and competitive rates, VA loans provide well-deserved benefits to those who have served our country.
VA Fixed Rate: dependable payments, no surprises, and the benefits you’ve earned.
Fast, easy, and built for veterans—refinance with a VA IRRRL and start saving right away.
A Home Equity Loan allows you to leverage the equity in your home with the certainty of a fixed rate and predictable monthly payments. With multiple term options, you can choose the repayment structure that best aligns with your long-term financial strategy. It’s a straightforward, reliable solution for funding major expenses or consolidating higher-interest debt.
Maximize your borrowing power with the lowest monthly payments over the longest term.
Balance affordability and faster payoff with a flexible mid-range term.
Pay off sooner and save on interest with our shortest, most cost-efficient option.
CapCenter provides a comprehensive selection of zero closing cost mortgage options, including Conventional (fixed-rate), FHA, VA, Jumbo, HomeReady®, HomePossible®, Virginia Housing Grant (1% down), Virginia Housing Second (0% down), and Community Grant (up to $4,500).
It means CapCenter pays for or waives traditional closing costs—like origination, title searches, appraisal, credit report, lender and owner's title insurance, and more—offset by lender credits. Not covered are escrow deposits, prepaid interest, homeowner’s insurance premium, government fees, or taxes, which may still apply.
Yes. You may qualify for the Virginia Housing Grant (1% down), Virginia Housing Second (0% down), or a Community Grant of up to $4,500 toward loan costs or interest rate reduction.
Details vary by product. Generally, Conventional fixed-rate loans require a credit score of at least 620 with up to 97% financing; FHA programs start around 3.5% down; VA allows 0% down; Jumbo loans require tougher credit and come with higher minimum down payments. Check specifics with a loan consultant.
VA Fixed Rate loans offer no down payment and no mortgage insurance for active-duty, veterans, and eligible spouses. For refinancing, the VA IRRRL (Interest Rate Reduction Refinance Loan) offers a streamlined path.
Use the interactive filters on the page—select your loan purpose (buy, refinance, cash-out), property use (primary, investment, second home), veteran status, and first-time buyer status—to narrow down the best programs you’re eligible for.
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