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First-Time Homebuyers

First-Time Homebuyers

At Capital Bank, we understand that buying a home may be the biggest purchase you'll ever make. That's why we offer a variety of tools to help you find the home of your dreams.

Try our Monthly Mortgage Calculator or check out our Rates page.

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A first-time homebuyer is defined as an individual or family who has not owned a home during the three year period prior to purchase. Exceptions to the three-year period exist for any individual who is a displaced homemaker or a single parent or any individual that owns or owned as a principal residence during such three-year period, a dwelling unit whose structure is not permanently affixed to a permanent foundation in accordance with local or applicable regulations. Existing homes only (no construction mortgages).