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CapCenter
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About us

We exist to protect clients on their homeownership journey.

CapCenter is a full-service mortgage lender, real estate brokerage & insurance agency: one team, under one roof, headquartered in Glen Allen, Virginia since 1997.

Our storyJoin the team
Embroidered CapCenter team caps in navy, grey and orange
Founded near Richmond, VA
1997
Clients served
60,000+
Licensed to lend
12 states
Closing costs. Believe It.
$0
The CapCenter sign at the Glen Allen, Virginia headquarters
Our story

Why pay closing costs if you don't have to?

That question started CapCenter in 1997. Closing on a home came stacked with fees that didn’t make the loan any better, so we built a lender that simply doesn’t charge them. ZERO Closing Costs isn’t a promotion. It’s how we’ve done business for nearly three decades.

Then we kept going. We added full-service realty with a 1% Listing Fee, insurance, and settlement, so the whole journey happens under one roof, with one team that already knows your file.

What we do

Mortgage, realty & insurance. One roof.

Most folks juggle a lender, an agent, an insurer & a settlement company. Our clients get one team that handles all of it and saves them money at every step.

  • Mortgage

    ZERO Closing Costs

    Purchase or refinance without the junk fees. Competitive rates, no closing costs. That’s the flagship.

  • Realty

    1% Listing Fee

    Full-service agents who list, market & negotiate for 1%, or ZERO when you bundle with a CapCenter loan.

  • Insurance

    Bundled coverage

    Homeowners insurance quoted right alongside your loan, so coverage never holds up closing.

What we believe

Four values, no fine print.

  1. Clients come first

    Every decision starts with what protects the client, not what pads the transaction. It’s why we say clients, never customers.

  2. Savings are earned

    ZERO Closing Costs and 1% Listing Fees only work because we run lean, stay local & skip the commissions.

  3. Service is a team sport

    Loan officers, agents, insurers & closers share one file and one goal. Nobody hands you off.

  4. Innovation never stops

    From rate alerts to online pre-approval, we keep sanding friction out of the journey.

Where we work

Serving folks across the Mid-Atlantic & Southeast.

We’re a licensed mortgage lender in twelve states, and a licensed real estate brokerage in five of them.

  • Virginia

    Mortgage · Realty

  • North Carolina

    Mortgage · Realty

  • South Carolina

    Mortgage · Realty

  • Maryland

    Mortgage · Realty

  • Washington, DC

    Mortgage · Realty

  • Georgia

    Mortgage

  • Florida

    Mortgage

  • Ohio

    Mortgage

  • Pennsylvania

    Mortgage

  • Tennessee

    Mortgage

  • Wisconsin

    Mortgage

  • Kentucky

    Mortgage

Headquartered in Glen Allen, Virginia, right outside Richmond.

Client stories

Unbelievable savings. Their words, not ours.

Thousands of five-star reviews from folks who kept their closing costs where they belong: in their pocket.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. I had prepared myself for torture because that’s what my past experience has been, but was shocked at how good CapCenter is. On top of the ease of the whole transaction, our loan consultant, Aaron Wagner, went above and beyond and found us a state program to drop the rate even more! ... I’ve already been recommending them to family and friends!”
Chris ColwellRefinanced · Richmond, VA
“Had a great experience start to finish with the loan and realty teams at CapCenter! Everyone I talked to treated me so kind, and everyone was so patient with me, being a first time homebuyer and all. Overall, very happy with my experience and would recommend them to anyone!”
Stirling EllisBought & financed · Raleigh, NC
“We are currently repeat customers for our new purchase. The pain of the mortgage process is limited with CapCenter. They have a great product, and they do what they advertise. No closing costs. That’s hard to beat.”
Rebecca RobertsSold & bought · Summerville, SC

Reviews from Google, in our clients’ own words.

Service is a team sport. Join ours.

We’re always looking for folks who’d rather earn savings for clients than commissions for themselves.

See open roles