When it comes to finding the best mortgage lender in Virginia Beach, homebuyers and homeowners trust CapCenter. Since 1996, 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 Hampton Roads.
CapCenter has been proudly serving Hampton Roads since 1996, no closing cost mortgages and top-rated real estate agents. With a local office right here in Virginia Beach, VA, our team understands the Hampton Roads market and is committed to helping Virginia Beach families achieve their homeownership goals.
Keep more cash at the closing table. Our approach helps reduce upfront costs without sacrificing service.
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Backed by a local team of loan officers who understand Virginia Beach, Norfolk, Chesapeake, and fast-moving neighborhood trends.
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We work to deliver great pricing for purchases and refinances across the Tidewater area.
Today's rates in Virginia Beach, VA
Bundle your no closing cost mortgage with our Virginia Beach Real Estate team for additional savings!
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Since opening our doors in 1996, CapCenter has built a strong track record in Virginia Beach 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.
CapCenter has originated over $525 million in mortgages for Hampton Roads residents.
Over 2,000 Virginia Beach households have trusted CapCenter with their home loan needs.
Tidewater residents have saved over $2 million with the CapCenter no closing cost model.
Visit our office in Virginia Beach Town Center, just off of Bonney Road.
Virginia Beach 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.
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 Hampton Roads and Tidewater — covering everything from loan programs and rates to closing timelines and pre-approvals.
Many lenders serve Virginia Beach. Homebuyers choose CapCenter for zero closing cost options, competitive rates, and local Hampton Roads expertise.
Yes. CapCenter offers zero closing cost home loans for eligible borrowers—ask for a Loan Estimate to compare your total costs.
Many programs start around a 620 FICO. Higher scores can unlock better rates and terms. Our loan officers can review your specific options.
Yes. We serve the entire state of Virginia, including all cities in the Hampton Roads region such as Norfolk, Chesapeake, Newport News, Hampton, Portsmouth, and Suffolk.
Most closings in Hampton Roads can be completed in 30 days or less. At CapCenter, our streamlined process often helps buyers close even faster.
Yes. We provide FHA loans, down payment assistance options, and affordable mortgage options such as HomeReady and HomePossible Loans. Read our article, "Affordable Mortgage Options for First-time Homebuyers," for a detailed explanation of these programs.
