ZERO Closing Costs FAQ

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.

Every rate we publish already includes ZERO Closing Costs, and we publish our rates and fees online so you can compare them.

No. Points to buy down your rate are the one optional cost, and we always show them up front. They aren't on the list of fees ZERO Closing Costs covers.

It applies to eligible loans, and some transactions carry additional costs. A first mortgage must be more than $100,000, and a second mortgage more than $50,000. See Product Offer Details for the full terms.

Use our mortgage or refinance calculator. It is free, asks for no contact details and never touches your credit. It shows which fees we waive in your county.

Getting pre-approved takes about 15 minutes, with no commitment and no surprise fees. If you go ahead with a CapCenter loan, we charge an upfront Good Faith Deposit, refunded in full when your loan closes.