Frequently asked questions
Straight answers from CapCenter about applying, refinancing, buying and selling, and homeowners insurance.
69 questions in 9 topics
CapCenter's ZERO Closing Costs offer pays for or waives the closing costs typically required to process a home loan, on eligible loans: the origination, credit report, flood certification, tax service, title search, wire and delivery fees, plus lender's and owner's title insurance, survey, settlement agent and appraisal fees when they're required and provided by an approved agent. Limitations apply; see Product Offer Details.
Escrow deposits and prepaid mortgage interest, which we don't cover. On a purchase, at least your first year's homeowners insurance premium. On FHA or VA loans, or above 80% loan-to-value, you may owe an upfront mortgage insurance premium or a VA Funding Fee. Any survey or inspection you need, and government fees and taxes to record your deed and mortgage, may also apply. Anything not on our list of covered fees is yours.
No catch. Realty, mortgage and settlement under one roof means a lower cost to serve, and we pass those savings to you.
On our mortgage rates page. Every rate there includes ZERO Closing Costs, and we publish rates Monday to Friday.
Yes. Every rate on our rates page includes ZERO Closing Costs: we waive or pay origination, title, appraisal and the other traditional lender fees. Points to buy down your rate are the one optional cost, and they're always shown up front.
A lower score usually means a higher rate or an upfront fee. Pick your score range on the rates page to see rates for it.
Apply online any time; it takes about 15 minutes. Prefer help? Call us at (800) 968-5844.
Usually 60 to 90 days. If it expires before you find a home, we can update it.
As soon as you are serious about buying. It sets your real budget and lets you make a strong offer the day you find the right home. It is not required to start looking.
ZERO Closing Cost purchase loans including Conventional fixed and adjustable rate, Jumbo, FHA, VA, HomeReady®, HomePossible® and Virginia Housing programs.
It depends on the program: VA allows 0% down, HomeReady and HomePossible start at 3%, FHA at 3.5%, and Jumbo loans typically require more. Virginia Housing programs can lower your down payment to 1% or 0% for eligible buyers.
FHA can be easier to qualify for with a lower credit score. Conventional usually costs less over time with good credit, and its mortgage insurance can come off later. We can price both for you.
To lower your payment, when rates fall below your current rate. To pay off faster, into a shorter term. To get cash, a cash-out refinance or a home equity loan, depending on how your rate compares with today's.
Conventional fixed and adjustable rate refinances, Jumbo refinance, FHA Streamline, FHA to conventional, cash-out refinance, VA IRRRL, VA cash-out and fixed-rate home equity loans, all with ZERO Closing Costs.
Most CapCenter refinances close within 30 days of application: about two in three from November 2025 to October 2026. Complex situations can take longer.
Our standard listing fee is 1.5%, with a $3,000 minimum. Sell with us and buy, or finance, your next home with CapCenter within a year, and it's 1%: if you sell first, we refund the 0.5% difference when you buy. The buyer's agent's commission isn't included.
When you buy with CapCenter's Realty Team, you get a credit of up to 0.5% of the purchase price, where we offer realty services. It combines with ZERO Closing Costs and the 1% Listing Fee.
No to both. ZERO Closing Costs works with any agent, and our agents are full service whoever your lender is. Using both stacks the savings.
Home, condo, renters and auto insurance, with quotes from our in-house agency.
Our licensed agents compare quotes from multiple carriers so you can choose the coverage and price that fit. Bundling home or renters with auto usually earns a multi-policy discount.
We compare rates from carriers including Travelers, Safeco, Utica National and Donegal.
If our team has asked you to make your first mortgage payment, use "Make a mortgage payment" on our Sign in page. Questions? Call (800) 968-5844.
Start at our Sign in page. Continue an application there, open the mortgage portal to review, upload and sign documents, pay your good faith deposit, or make a mortgage payment.
Call (800) 968-5844 and press 2 for loans in process.
In 1997, near Richmond, Virginia. We're headquartered in Glen Allen.
We're licensed to lend in Virginia, North Carolina, South Carolina, Maryland, Washington DC, Georgia, Florida, Ohio, Pennsylvania, Kentucky, Wisconsin and Tennessee. Our realty services cover Virginia, North Carolina, South Carolina, Maryland and DC.
Our headquarters is in Glen Allen, Virginia, and we have offices in Hampton Roads, Northern Virginia, Columbia-Baltimore, Cary-Raleigh-Durham, Charlotte, Greenville SC and Charleston SC. Most offices are by appointment.
Still have questions?
Talk to a real person. Call 1-800-968-5844, Monday to Friday, 8:30 am to 6 pm ET.