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Which mortgage product is best for me?

Our suite of mortgage products cover most home financing scenarios. We offer a diverse menu of solutions that share one thing in common - Zero Closing Costs. That's right, CapCenter covers all traditional closing costs across all mortgage types.
Are you refinancing? Check out our refinance options here.

Our mortgage products.

We offer most standard mortgage products. We can also qualify you for our special mortgage products, which provide exclusive benefits to qualifying groups such as first-time homebuyers and lower income households.

Reserved for special situations

Special mortgage program

Advantages

Reserved for those who...

CapCenter Community Assistance Grant

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Up to $4,500 in discounts that can be applied towards your interest rate or cash to close
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Are purchasing or refinancing a home in a designated "difficult-to-develop" census tract
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Can be combined with Conventional, HomeReady, or HomePossible products

VA loans

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No down payment required
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Easier qualification
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No mortgage insurance
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Streamlined refinance options
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Are active US military
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Are a US military veteran
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Are the surviving spouse of a US military veteran

First-time homebuyer loans

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Rate discount
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Lower required down payment of 3%
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Have not owned a home in the previous three years
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Have an average household income

HomeReady & HomePossible loans

Learn more
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Rate discount
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Lower down payment options
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Have a below average household income

CapCenter Community Assistance Grant

Advantages
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Substantial rate discount
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Can be combined with Conventional, HomeReady, or HomePossible products
Reserved for those who...
CapCenter logo bullet point
Are purchasing or refinancing a home in a designated "difficult-to-develop" census tract
Learn More

VA loans

Advantages
CapCenter logo bullet point
No down payment required
CapCenter logo bullet point
Easier qualification
CapCenter logo bullet point
No mortgage insurance
CapCenter logo bullet point
Streamlined refinance options
Reserved for those who...
CapCenter logo bullet point
Are active US military
CapCenter logo bullet point
Are a US military veteran
CapCenter logo bullet point
Are the surviving spouse of a US military veteran
Learn More

First-time homebuyer loans

Advantages
CapCenter logo bullet point
Rate discount
CapCenter logo bullet point
Lower required down payment of 3%
Reserved for those who...
CapCenter logo bullet point
Have not owned a home in the previous three years
CapCenter logo bullet point
Have an average household income
Learn More

HomeReady & HomePossible loans

Advantages
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Rate discount
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Lower down payment options
Reserved for those who...
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Have a below average household income
Learn More

Conventional loans

Advantages
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Most competitive rates
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Mortgage insurance not required for 20% down payments
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Available on on loan terms
A potential option if you...
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Have an established credit history
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Are prepared to make a down payment of at least 5%
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Want to pay down loan faster
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FHA loans

Advantages
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Easier qualification
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Lower down payment
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Streamlined refinance options
A potential option if you...
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Are building or re-building credit
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Are seeking a lower down payment
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Want to pay down loan faster
Learn More

Jumbo loans

Advantages
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Extends financing for loans up to $2 million
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May be more cost-effective than getting a second loan
A potential option if you...
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Require a loan amount above the Conforming Loan Limit
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Adjustable Rate Mortgages (ARMs)

Advantages
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Low introductory rate
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Offers short-term savings for a fixed period of seven years
A potential option if you...
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Plan to sell their home or refinance within a few years
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Have an established credit history
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Are prepared to make a down payment of at least 5%
Learn More

Available to everyone (subject to qualification)

Mortgage loan type

Advantages

A potential option if you...

Conventional home loans

Learn more
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Most competitive rates
CapCenter logo bullet point
Mortgage insurance not required for 20% down payments
CapCenter logo bullet point
Available on on loan terms
CapCenter logo bullet point
Have an established credit history
CapCenter logo bullet point
Are prepared to make a down payment of at least 5%
CapCenter logo bullet point
Want to pay down loan faster

FHA home loans

Learn more
CapCenter logo bullet point
Easier qualification
CapCenter logo bullet point
Lower down payment
CapCenter logo bullet point
Streamlined refinance options
CapCenter logo bullet point
Are building or re-building credit
CapCenter logo bullet point
Are seeking a lower down payment
CapCenter logo bullet point
Want to pay down loan faster

Adjustable Rate Mortgages (ARMs)

Learn more
CapCenter logo bullet point
Low introductory rate
CapCenter logo bullet point
Offers short-term savings for a fixed period of seven years
CapCenter logo bullet point
Plan to sell their home or refinance within a few years
CapCenter logo bullet point
Have an established credit history
CapCenter logo bullet point
Are prepared to make a down payment of at least 5%

Jumbo loans

Learn more
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Extends financing for loans up to $2 million
CapCenter logo bullet point
May be more cost-effective than getting a second loan
CapCenter logo bullet point
Require a loan amount above the Conforming loan limit

We cover most property types.

Whether you're financing a suburban home or a condo downtown, CapCenter has your back.
home with American flag
condo building
townhome
manufactured home

Single-family homes

The classic picture of an American home. A free-standing home on its own piece of property.
See ranch style homes for sale near me

Condos

Most popular in urban areas. Condos are like apartments, but are independently owned.
See condos for sale near me

Manufactured homes

A manufactured home is a factory-built home on a fixed chassis built after June, 15 1976.

Townhomes

Similar to a single-family home but shares a wall with an adjoining property.
See townhomes for sale near me

Multi-unit properties

A property that contains 2-4 living areas for separate families to inhabit. An example of a multi-unit home is a duplex.

Primary residences

The property will be occupied by the home owner for more than six months of the year.

Investment properties

The property will not be occupied by the home owner and will be used to generate income. An example is a property bought with the intention to rent out.

Vacation homes / 2nd homes

The property is occupied by the home owner for less than six months of the year.

We can finance investment and vacation homes.

Need help finding a home? You can search homes for sale on our Real Estate site.
Family visiting their beach vacation home
Ready to take the next step?
One of our expert Loan Consultants can help align you to the best product.