Richmond, VA · Local since 1997
A Richmond mortgage lender with ZERO Closing Costs
46,000+Richmond-area home loans closed
Founded in Richmond. Office in Glen Allen.
- ZERO Closing Costs
- Free quote. No credit check.
- Local experts, family-owned since 1997
- ZERO Closing Costs
- 4.8 Google
- 5.0 Zillow
- NMLS #67717
Buying or refinancing?
7.000%30-year fixed · 7.000% APR
Get Pre-ApprovedSee ratesLoans closed July 2002 to October 2026. Restrictions apply. Rates: Nov 9, 2026, 11:19 AM ET. $500,000 home, 20% down (refinance: $300,000 balance), 780+ credit.
Lender fees you won’t pay
$3,180
typical lender and title fees, paid or waived by CapCenter
- Origination fee
$1,300ZERO - Appraisal
$500ZERO - Settlement, title services & lender’s title
$1,220ZERO - Credit, data & flood
$160ZERO
Typical fees on a $500,000 purchase quote in Richmond, VA. Your quote shows yours.
“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”
Family-owned since 1997
Get Pre-ApprovedToday in Richmond
| Loan | Rate | APR |
|---|---|---|
| 30-yr fixed | 7.000% | 7.000% |
| 15-yr fixed | 6.500% | 6.500% |
| 30-yr refinance | 7.000% | 7.000% |
Nov 9, 2026. $500,000 home, 20% down (refinance: $300,000 balance), 780+ credit.
See ratesQuotes & rates
Get a free mortgage quote in Richmond
Richmond homeowners can use our free online tools to estimate monthly mortgage payments, check real-time mortgage rates, and see how much they could save with CapCenter.
Richmond monthly payment calculator
Instant mortgage quote in Richmond, VA
Today's mortgage rates in Richmond, VA
How it works
- See my rate
Free. No credit check.
- Get pre-approved
About 15 minutes online.
- Close with ZERO
We pay or waive the lender fees.
Local in Richmond
- Our headquarters
- 4461 Cox Road, Glen Allen
804-968-5000 - Closed in the Richmond area
- $10B+in home loans
- Real estate team
- Buy and finance under one roof
Meet an agent
Why CapCenter
Best Mortgage Lender: Richmond, VA
Affordable Mortgage Lending Local to Richmond, VA
Local since 1997 · Glen Allen office
Why homebuyers in Richmond choose CapCenter
When it comes to finding the best mortgage lender in Richmond, homebuyers and homeowners have trusted CapCenter since 1997. Founded right here in Richmond, we’ve helped Virginia families save thousands with ZERO Closing Cost mortgages, competitive rates, and expert guidance - all delivered by local loan officers who understand the Richmond metro area.
CapCenter has been proudly serving Virginia with no closing cost mortgages and top-rated real estate agents since 1997. With a local office right here in Glen Allen, VA, our team understands the Central VA market and is committed to helping Richmond families achieve their homeownership goals.
ZERO Closing Costs
Keep more cash at the closing table. Our approach helps reduce upfront costs without sacrificing service.
Local Richmond Expertise
Backed by a local team of loan officers who understand Henrico, Hanover, Chesterfield, and fast-moving neighborhood trends.
Competitive Rates
We work to deliver great pricing for purchases and refinances across the Richmond area.
Mortgage + Real Estate
Bundle your no closing cost mortgage with our Richmond Real Estate team for additional savings!
By the numbers
CapCenter by the Numbers in Richmond, VA
Since opening our doors in 1997, CapCenter has built a strong track record in Richmond by delivering affordable home financing with unmatched transparency. Our impact is reflected in the numbers below, showing the trust and confidence local homeowners place in us.
- $10b+
- CapCenter has closed over $10 billion in mortgages on homes in the Richmond area.
- 46k+
- Over 46,000 Richmond-area home loans closed with CapCenter.
Source: CapCenter closed-loan records, July 2002 to October 2026, counted by the home’s location.
Our office
CapCenter Richmond Headquarters
Visit our Glen Allen, VA office in Innsbrook, just off of Cox Road.
Counties & cities
Counties and cities in the Richmond area
Each one has its own rates page, with its county’s 2026 loan limits.
Counties & independent cities
Cities & towns
Questions
Richmond mortgage FAQs
Buying or refinancing a home often comes with plenty of questions. To help, we’ve compiled answers to the most common mortgage questions from homeowners in Richmond and Central Virginia — covering everything from loan programs and rates to closing timelines and pre-approvals.
Who is the best lender in Richmond, VA?
Many lenders serve Richmond. Homebuyers choose CapCenter for ZERO Closing Cost options, competitive rates, and local Central Virginia expertise.
Do you offer no closing cost mortgages in Richmond?
Yes. CapCenter offers ZERO Closing Cost home loans—ask for a Loan Estimate to compare your total costs.
What credit score do I need to buy a home in Richmond?
You need a credit score of at least 620 for a CapCenter loan. Higher scores can unlock better rates and terms. Our loan officers can review your specific options.
Do you serve Central Virginia cities outside of Richmond?
Yes. We serve the entire state of Virginia, including all cities in the Central Virginia region such as Henrico, Hanover, Chesterfield, Powhatan, and more!
How long does it take to close on a home loan in Richmond?
Timelines vary by loan and contract. Over the last year, CapCenter loans closed in a median of 31 days from application (all markets, November 2025 to October 2026).
Does CapCenter offer first-time homebuyer programs in Richmond?
Yes. We provide FHA loans, down payment assistance options, and affordable mortgage options such as HomeReady and Home Possible Loans. Read our article, "Affordable Mortgage Options for First-time Homebuyers," for a detailed explanation of these programs.
Our clients have spoken
65,000+ clients since 1997.
Family owned & operated, with local experts who live in the communities we serve.
Get started with a Richmond mortgage professional
Apply now or give us a call to get started.
Nearby
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.