ZERO Closing Cost Homes
Save up to …!
1% Listing Fee when you buy and sell with CapCenter.
Your estimated total savings…
Get started with a local REALTOR®
We are committed to providing the quality you expect and the savings you deserve.
Stephany Lopez
Team Lead
Chris Piacentini
Principal Broker
Hope Foster
Team Lead
Brian McIntyre
Managing Broker
Today's best rates
At CapCenter, we offer market rates with Zero Closing Costs. We publish our rates online daily for full transparency.
You can reduce your rate by purchasing discount points.
Lower rates often mean higher fees. CapCenter works hard to achieve the lowest rates with the lowest fees.
Low down payment options
Veterans
0%
First-timers
3%
Everyone
3.5%
Low upfront costs
At CapCenter, we're all about providing low upfront cost options while providing a great rate.
Are you ready to purchase your first home? Make sure you look at closing costs and escrows in addition to the down payment requirements.
Why people choose CapCenter
One-stop shop
From Search to Settlement - CapCenter has all the services you need under one roof, and our one-stop-shop approach let’s you focus on what matters.
29 years
29 years of Service, Savings, and Exceeding Expectations - From our 5-star rating with more than 500 reviews on Zillow to our 95% client satisfaction rating, our clients have spoken. The savings are great but at CapCenter, service is absolute.
Family owned and operated
Buying a home is personal, and we know that better than anyone. Our team of local experts live in the communities we serve and uses this knowledge to help guide you home.
5-star rating
500+ reviews
A+ rating
Accredited since 2005
Top workplaces
2021 & 2022
Best mortgage lender
2021 & 2023
How it works
- Contact us for a no-cost and no-obligation consultation and get matched with a local CapCenter agent.
- Boost your savings and get pre-approved for a CapCenter ZERO closing cost loan.
- Get set up on your custom curated search and begin touring homes.
- Begin submitting offers.
- Once an offer is accepted, you can review your mortgage commitment offer and lock your rate.
- Work with your realty and mortgage team to navigate the closing and loan underwriting process.
- Complete your final walkthrough and attend closing.
- Enjoy your new home!
Our dedicated teams work together behind the scenes to create a seamless experience for you.
Buyer's agent services
Consultation to learn your needs
Your goal is our mission - All of our clients go through an in-depth discovery consultation with our CapCenter team so we can custom tailor a path to home ownership that aligns with your needs and wants.
Custom curated search
We design a search specific to your requests and send updates directly to your email as soon as a home hits the market, so you never have to worry about missing out.
Coordinated tours
Shop with confidence - We are a team at CapCenter and our agents work together to provide maximum availability to our clients, so you can rest easy knowing we can always get you in the door.
Pre-offer property analysis
Tour with purpose - CapCenter agents don't just open doors, we actively evaluate each property to find and share conditional concerns that may not be obvious or common to most home shoppers.
Real-time market insights
Offer like an expert - We provide local insight, collaborate to gather data, and analyze real-time market conditions in each neighborhood and market we are active in. These insights are aggregated by our Broker team, who analyzes transactions across all markets for your benefit.
Mobile-friendly document signing
Empowered by technology - Our team is equipped with the latest industry technology to make reviewing, signing, and uploading offers seamless and mobile friendly.
Negotiation expertise
Maximized negotiations - Our team utilizes 29 years of industry experience and collaboration with our leadership team to ensure our clients are getting the best deal possible while still protecting their downside.
Transaction guidance
Streamlined transactions - Empowered by a full support staff your CapCenter agent seamlessly guides you through the entire purchase process. You will never be left wondering what's next.
Strong network of top-rated professionals
A referral network you can trust - From mortgage, insurance, and settlement to inspectors, contractors, and cleaners, CapCenter can provide a resource for anything you may need during your purchase and beyond.
One-stop shop
Bundle and save - When you bundle our realty and mortgage you get the same great service with the added savings of our ZERO closing cost home loans.
Next steps
Speak with your local realtor to see how we can help you discover your new home.
Waiting for home prices to fall?
Rising interest rates put a downward pressure on home prices because higher rates hurt affordability.
However, we have a long line of pre-approved applicants that have been actively searching for the right home. If rates or home prices fall, we may see more bidding wars with the large pool of pre-approved buyers reinforced by new buyers that enter the market.
With existing home sale inventory at historically low levels with strong demand coupled with high inflation affecting rent, it's hard to imagine a dramatic drop in home prices. We think it'll be difficult to time the market for this reason.
Worried about high rates?
Interest rates have been trending up in 2023 along with the federal funds rate.
- If rates go down after you purchase your home, refinance your mortgage with CapCenter's Zero Closing Cost refinance and save big!
- If rates go up after you purchase your home, congratulations, you locked in a great rate. If rates fall in the future, refinance with CapCenter's Zero Closing Cost refinance and save big!
We'll automatically alert you when rates drop. This is the beauty of CapCenter's Zero Closing Cost mortgages and a big reason why experienced home buyers love to use CapCenter.
Learn more about refinancingFrequently asked questions
At CapCenter, we understand how overwhelming the first-time home buying process can be. That's why we exist - to make things easier for you as one team (the added savings is a bonus). Get started with our realty team by scheduling a consultation or by calling +1 (757) 334-2083. We're excited to help you find the right home.
The upfront costs vary widely on subject property, location, and borrower(s). The minimum amount you need includes costs that occur during closing such as the minimum down payment required for the loan product, government fees such as taxes, and escrows such as homeowners insurance premiums.
We have loan products that only require 0% to 3.5% minimum down payment. For a qualified first-time home buyer buying a $350k house in Richmond, VA, the total upfront costs are around $18,000.
We have loan products that only require 0% to 3.5% minimum down payment. For a qualified first-time home buyer buying a $350k house in Richmond, VA, the total upfront costs are around $18,000.
Yes, CapCenter is a top-rated full-service realty.
CapCenter's real estate agents are local to assigned territories and execute many more deals than the average agent. Our closeness to our markets helps us understand and forecast market trends in your neighborhood. We'll provide the data and recommendations based on experience, but you make the call on how we proceed.
We recommend scheduling a consultation and speaking with your local realtor so you can see why we're rated five stars on Zillow.
We recommend scheduling a consultation and speaking with your local realtor so you can see why we're rated five stars on Zillow.
The buyer's agent services are typically paid by the seller at closing.
Closing costs differ by state and county and generally refer to costs that occur at closing excluding certain items. CapCenter waives costs that are not related to the owner's equity (e.g. down payment), escrows (e.g. homeowner's insurance), or government fees (e.g. taxes) for most standard products. For details, use our mortgage calculator to see typical industry fees and our waived fees in your region.
Many lenders artificially lower rates with hidden fees and points to try to win your business. At CapCenter, we provide low rates with low or no fees and publish our rates and fees online for full transparency. We value honesty and transparency, and most of our clients are experienced mortgage borrowers who are tired of playing games with high, often hidden, "standard" upfront costs.
The main benefit to Zero Closing Cost mortgages is the flexibility. If rates fall, you can refinance with another CapCenter Zero Closing Cost mortgage for savings or move without worrying about the high sunk costs that come with a regular mortgage. The best part is, we'll let you know when it makes sense to refinance, expedite the process, and save big, again!
Learn more how rates and APR can be misleading in the mortgage industry.
The main benefit to Zero Closing Cost mortgages is the flexibility. If rates fall, you can refinance with another CapCenter Zero Closing Cost mortgage for savings or move without worrying about the high sunk costs that come with a regular mortgage. The best part is, we'll let you know when it makes sense to refinance, expedite the process, and save big, again!
Learn more how rates and APR can be misleading in the mortgage industry.
Freddie Mac has a database of down payment assistance programs that are available. We check that database as part of our process to let you know if you may qualify for certain program(s). However, these programs are offered by external parties such as local governments, and there are typically eligibility requirements.
If there's a specific program you are interested in, please let your loan consultant know.
If there's a specific program you are interested in, please let your loan consultant know.
Buying a home is one of the most important financial decisions of our lives. Not only because of the significant dollar amount but because of how much impact a home has on our lifestyle, mental health, and future. With rising home prices in a volatile interest rate environment, we all wonder, when is it the best time to buy a home?
The answer really depends on your situation and what you're looking for. However, it's important to understand that homes are all a little different (e.g., location, style, condition, and history) and your ideal home may not be on the market when you're looking. That's why we believe the best time to buy a home is when your ideal home is on the market because that opportunity may never come again.
If your ideal home is on the market during a high interest rate environment, do not worry and buy with confidence. Save big with a Zero Closing Cost purchase and simply refinance with another Zero Closing Cost mortgage if rates drop, and continue to enjoy your dream lifestyle with more money in your pocket.
The answer really depends on your situation and what you're looking for. However, it's important to understand that homes are all a little different (e.g., location, style, condition, and history) and your ideal home may not be on the market when you're looking. That's why we believe the best time to buy a home is when your ideal home is on the market because that opportunity may never come again.
If your ideal home is on the market during a high interest rate environment, do not worry and buy with confidence. Save big with a Zero Closing Cost purchase and simply refinance with another Zero Closing Cost mortgage if rates drop, and continue to enjoy your dream lifestyle with more money in your pocket.
Latest CapCenter homes for sale
House for sale
$529,000
4 bd | 2 ba | 1,734 sq ft
Richmond VA 23226910 Greenway LaneReal estate sale listing provided by
CentralVirginia
House for sale
$409,999
3 bd | 2.5 ba | 1,724 sq ft
Henrico VA 232287850 Wistar Woods PlaceReal estate sale listing provided by
CentralVirginia
House for sale
$289,900
2 bd | 2 ba | 1,420 sq ft
Chesterfield VA 23112304 Water Pointe LaneReal estate sale listing provided by
CentralVirginia
House for sale
$210,000
4 bd | 2.5 ba | 1,664 sq ft
Columbia SC 29229102 Petworth DriveReal estate sale listing provided by
ColumbiaSC
House for sale
$509,000
3 bd | 3 ba | 3,010 sq ft
Chester VA 238314321 Lilking CourtReal estate sale listing provided by
CentralVirginia
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