Buying a home is exciting, but the financing process doesn’t have to be stressful. Our Mortgage Pre-Approval program gives you a head start, providing more flexibility, stronger buying power, and a faster, smoother closing process.

Whether you’re purchasing a first home, a second home, or an investment property, pre-approval helps you shop with confidence—so when you find the right home, you’ll be ready to move forward.

For more information, call us toll-free at (800) 836-3711, extension 3815, and ask to speak to a Mortgage Specialist. Or email our Mortgage Department by clicking here.

Buying your first home is a big step, and we’re here to make it easier. At Capital Bank, we know the mortgage process can feel overwhelming—that’s why we provide the support and tools you need to navigate it with confidence.

Wondering how much home you can afford? Curious about mortgage rates or monthly payments? Our team is here to help answer your questions and guide you every step of the way. With personalized attention and a range of helpful resources, we’ll make sure you have everything you need to get into your first home.

Ready to take the next step? Call us toll-free at (800) 836-3711, extension 3815, to speak with a Mortgage Specialist.

Looking for a way to save on interest and pay off your home loan sooner? A bi-weekly fixed-rate mortgage could be the right option for you. By making smaller, more frequent payments instead of one monthly payment, you can reduce interest costs and build equity faster.

At Capital Bank, we were among the first in the area to offer bi-weekly mortgages, and our Mortgage Specialists can help you determine if this payment structure fits your financial goals.

How it works:

• Pay one-half of your mortgage payment every two weeks, instead of making a full payment each month. This means that you make 26 bi-weekly payments each year rather than 12 monthly payments
• You pay less interest over the life of the loan because the loan is paid off several years sooner, compared to a monthly mortgage
• Payments are automatically deducted from a Capital Bank checking or savings account
• You benefit by knowing your loan is always being paid on time
• With a variety of terms, low down payments, and competitive closing cost rates, we will work with you to find the perfect mortgage solution to fit your needs

For more information, please call us toll-free at (800) 836-3711 extension 3815 and ask to speak to a Mortgage Specialist.

A fixed-rate mortgage gives you the confidence of knowing your principal and interest payments will never change, no matter how long your loan term. With a variety of terms, low down payment options, and competitive rates, we’ll help you find a mortgage that works for your budget and long-term plans.

Want to learn more? Call us toll-free at (800) 836-3711, extension 3815, to speak with a Mortgage Specialist.

If you’re looking for lower monthly payments, an Adjustable-Rate Mortgage (ARM) may be a great option. With competitive rates, a low minimum down payment, and flexible terms, an ARM can help you secure the financing you need with the potential for savings in the early years of your loan.

Our Mortgage Specialists are here to walk you through your options and help you close as quickly as possible.

Download the Consumer Handbook on Adjustable-Rate Mortgages (PDF)

For more details, call toll-free at (800) 836-3711, extension 3815 to speak with a Mortgage Specialist.

Refinancing can be a smart way to lower your mortgage rate, consolidate debt, or fund home improvements using your home’s equity. At Capital Bank, we offer fixed- and adjustable-rate refinancing options, competitive rates, and low closing costs to help you maximize your financial flexibility.

Our Mortgage Specialists will guide you through the refinancing process and ensure you get the best possible terms for your situation.

Start exploring your options today! Call toll-free at (800) 836-3711, extension 3815, to speak with a Mortgage Specialist.

If you’re planning to build a single-family, owner-occupied home, our construction loan program offers flexible financing options to help bring your vision to life. Choose from a fixed-rate or adjustable-rate mortgage with terms that fit your budget, and take advantage of low down payment options or use existing equity from your land or prior improvements.

Our Mortgage Specialists can also assist with multi-unit properties or non-owner-occupied builds, ensuring you have the right loan for your project.

Benefits and Features

• Choose from a fixed-rate or adjustable-rate mortgage
• Select from a variety of terms to fit your needs
• Enjoy a low-down payment
• Close before the start of construction and pay monthly for interest on funds we've advanced to you
• Once your project is complete, begin regular mortgage payments
• With only one closing, you save the cost of a second closing

One-Time Rate Modification

This offer allows the option to adjust your rate on a construction or jumbo mortgage, once during the life of the loan. Please see details below: 

• This option becomes available once 12 consecutive monthly payments have been received by the Lender. For a construction-permanent loan, a minimum of 12 monthly payments must be made after the construction phase has been completed.
• At the time the rate modification is executed,  there must have been “on-time” payments for the most recent preceding 12 months (“on-time” is having paid no later than the expiration of the grace period).
• The fee to execute the rate modification option is .75% of the outstanding balance of the Note, as of the date the modification is executed.
• The Note Rate will be modified to the current market rate, as of the date the modification is requested by the Borrower in writing and received by the Lender.  All other terms and conditions of the Note will remain in effect.

For more information, please call us toll-free at (800) 836-3711 extension 3815 and ask to speak to a Mortgage Specialist.