Today’s ZERO Closing Cost Mortgage Rates

I want to

Buy a homeMortgage for a new homeMortgage for a new home
Lower my rateRefinance, no cash outRefinance, no cash out
Take cash outBorrow from your home’s valueBorrow from your home’s value

$120K · RichmondHome equity loan · $500,000 home · $300,000 balance · $120,000 cash out · Richmond, VA · 780+ · Primary

Keeps your rate. Adds a second loan.Low rate? Keeping it may make sense.

Tap any rate to see your full quote.Click any rate to see your full quote.

Home equity

Home equity 30-yr fixed rates

No points

RatePointsAPRClosingClosing costs

8.000%8.000% APR0.0008.000%ZERO›7.750%7.802% APR0.5007.802%ZERO›7.625%7.716% APR0.8757.716%ZERO›7.375%7.529% APR1.5007.529%ZERO›7.250%7.441% APR1.8757.441%ZERO›

Home equity 15-yr fixed rates

No points

RatePointsAPRClosingClosing costs

7.500%7.500% APR0.0007.500%ZERO›7.375%7.436% APR0.3757.436%ZERO›7.250%7.372% APR0.7507.372%ZERO›7.125%7.349% APR1.3757.349%ZERO›7.000%7.285% APR1.7507.285%ZERO›

Home equity 20-yr fixed rates

No points

RatePointsAPRClosingClosing costs

7.500%7.500% APR0.0007.500%ZERO›7.375%7.424% APR0.3757.424%ZERO›7.250%7.348% APR0.7507.348%ZERO›7.125%7.305% APR1.3757.305%ZERO›7.000%7.229% APR1.7507.229%ZERO›

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Our interest rates are real-time quotes and can change multiple times per day. Rates are updated every Monday through Friday, 10:00 AM – 4:00 PM ET (excluding holidays). Rate quotes outside this time display our most recent rates, which may be expired.

Rates are subject to change without notice. The rates shown assume borrower(s) credit score(s) of 780 or higher, a primary residence, and a conforming loan amount. Your rate may differ based on your credit score, loan amount, property type, and other factors.

APR reflects the interest rate plus points and certain fees over the life of the loan. Because CapCenter waives lender closing costs, our APRs sit closer to our interest rates than most lenders’.

A “point” is an up-front fee paid in exchange for a lower interest rate (1 point = 1% of the loan amount). A lender credit works in reverse — you accept a slightly higher rate and we pay you at closing.

How current are these mortgage rates?

Mortgage rates can change daily — sometimes more than once a day. CapCenter publishes rates every business day, and you’ll always see a “last updated” time next to our published rates, so you know exactly how fresh your quote is.

Interest rate vs. APR

Your interest rate is what you pay on the loan balance. APR adds points and lender fees to show the true cost of borrowing. Because CapCenter waives lender closing costs, our APRs sit unusually close to our rates — a quick way to spot the difference between us and a typical lender.

What are points & credits?

A point is an up-front fee — 1% of the loan amount — that buys a lower rate for the life of the loan. A lender credit is the reverse: take a slightly higher rate and we pay you at closing. There’s no wrong answer; it depends on how long you’ll keep the loan and the cash you have today.

Mortgage rates FAQ

Can I lock my rate?

Yes — CapCenter offers standard, extended, and floating rate locks. Extended locks can help with new-construction purchases; details and terms are in our purchase disclosures.

How does my credit score affect my rate?

Lenders use credit score as a primary risk measure — a lower score usually means a higher rate or an up-front fee. Use the credit score selector above to see rates for your range.

Do these rates really come with ZERO Closing Costs?

Yes. Every rate on this page includes CapCenter’s 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.