CapCenter - a story of service & savings

CapCenter's mission is to protect you during one of your most important decisions and to make your homeownership journey more affordable.

We're here to be your financial partner for life. We maximize our service and your savings for each transaction. We notify you when it makes sense to refinance your mortgage and automatically shop for better insurance rates on your behalf. Saving money has never been this easy!

A row of attached houses.

CapCenter wins on rate and fees

Public origination data from 2022 proves that CapCenter has the best deal in town. The chart below compares CapCenter among the top 20 lenders* in Richmond, VA.

CapCenter does not charge traditional loan closing costs
See Zero Closing Costs savings details
The fees in this chart include optional costs such as points to buy down an interest rate.
Source: 2022 Consumer Financial Protection Bureau (CFPB) Home Mortgage Disclosure Act (HMDA) origination data in Richmond, VA (consumerfinance.gov and originationdata.com)
* Top 20 lenders based on origination volume in Richmond, VA
** Average 30-year fixed rate
*** Including optional costs such as points to buy down interest rate

Why is CapCenter the best for you?

CapCenter was voted best mortgage lender by readers of Richmond Magazine in 2020 & 2022. Putting our clients first is the cornerstone of our success story.

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Local expertise

Our loan officers and Realtors are in tune with the local markets. We complete many transactions in our limited service areas, which helps us better understand the market for your benefit.

piggy bank

Savings you can trust

CapCenter had both the lowest average interest rate and lowest closing costs among the top 20 lenders* in Richmond, VA [†].

person holding house and CapCenter Realty yard sign

White glove service

CapCenter doesn't just lend money - we can act as your Realtor®, your settlement attorney, your title agent, and your insurance broker. We act as one unit to help you achieve your goals with more savings and less stress.

† Source: 2022 Consumer Financial Protection Bureau (CFPB) Home Mortgage Disclosure Act (HMDA) origination data in Richmond, VA (consumerfinance.gov and originationdata.com)
* Top 20 lenders based on origination volume in Richmond, VA

Our story

When Gary bought his first home and was slammed with hidden fees at the closing table, he thought to himself, "there has to be a better, more ethical approach to mortgage lending." There was, and CapCenter was born.

26 years of hard work and innovation later, CapCenter continues to provide our local clients trustworthy services with big savings to support the American dream.

1997

Established

Gary Piacentini starts CapCenter in Richmond, Virginia with a vision to simplify the home ownership journey with Zero Closing Costs and giving back savings to clients.
Gary Piacentini
2015

Realty

CapCenter establishes its Real Estate Division to offer a more streamlined home ownership journey with unmatched savings and services.
CapCenter Realty sold sign
2017

Virginia Beach

CapCenter opens a branch in Virginia Beach to provide signature savings and services to Hampton Roads, Virginia.
capcenter hat on beach
2020

Insurance

CapCenter establishes its Insurance Division to offer a more streamlined home ownership journey with perpetual savings.

North & South Carolina

CapCenter opens branches in Cary & Charlotte, NC, McLean, VA, and Greenville, SC to provide top-rated bundled services.
North and South Carolina state outlines with CapCenter logo
2021

Maryland & DC

CapCenter expands Mortgage & Realty services to Maryland & DC.
Maryland state outline with CapCenter logo
2022

Georgia & Florida

CapCenter expands its mortgage operations to Georgia and Florida.
Georgia and Florida state outlines with CapCenter logo
2023

ZERO List Fees

CapCenter unveils it's newest savings bundle: ZERO Listing Fees. CapCenter will sell your house for 0% list commission when you also buy and finance with CapCenter Realty & Mortgage services.
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Our results in numbers

95%

Customer satisfaction

$12B+

Origination volume

50+

Team members

$1B+

Realty transactions