Buy with ZERO Closing Costs

With a conversation. We make it easier as one team, and the savings are a bonus. Book a consultation or call +1 (757) 334-2083.

It depends on the home, the location and you. You need the down payment for your loan, government fees like taxes, and escrows like homeowner’s insurance. Our loans start at 0% to 3.5% down. See your upfront costs in our mortgage calculator.

Buyer’s agent services are typically paid by the seller at closing.

Yes. CapCenter is a top-rated full-service realty, and our agents are local to their territories. It’s why we’re rated five stars on Zillow.

Costs paid at closing; they vary by state and county. We waive costs not tied to your equity (like the down payment), escrows (like homeowner’s insurance) or government fees (like taxes) on most standard products. See typical fees and what we waive in your area in our mortgage calculator.

Many lenders lower advertised rates with hidden fees and points. We publish our rates and fees daily, with low or no fees.

ZERO Closing Costs also gives you flexibility: if rates fall, refinance with another ZERO Closing Cost mortgage, or move without big sunk costs. We’ll tell you when refinancing makes sense. How rates and APR can mislead.

We check Freddie Mac’s database of assistance programs to see if you may qualify. These programs come from outside parties, like local governments, and have eligibility rules. Tell your loan consultant about any program you’re interested in.

When your ideal home is on the market, because that chance may not come again. If rates are high, buy with confidence: save with ZERO Closing Costs now, and refinance with another ZERO Closing Cost mortgage if rates drop. We’ll alert you when they do.