Mortgages and Home Equity Loans

Looking for the mortgage that will help make your dream home a reality?

Look no further than Capitol Bank!


Here is what we have to offer:

  • Competitive rates
  • Easy online application
  • Local loan servicing available
  • Outstanding personal service from a Capitol Bank mortgage lender
  • Varitey of loan types
    • Purchase home loans
    • Refinance home loans
    • Construction home loans
    • Home equity lines of credit
    • Home equity fixed payment loans
    • Physician's Loan

Capitol Bank offers a variety of mortgage and home equity loan options for your unique needs, and our experienced mortgage lenders will walk you through each step of the process. Easy, stress-free home loans are right here at Capitol Bank!  We offer first mortgage loans for your home, second home or investment property.  We also offer home equity loans or lines of credit to fit you needs.

Contact a Capitol Bank mortgage lender today.



1.99% for the first 9 months following closing. Variable annual percentage rate (APR) as low as 4% thereafter. (Using the index and margin without this introductory rate, the current APR is 4%.)


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The Capitol Advantage Home Equity Line of Credit has a great introductory rate of 1.99% for the first 9 months following closing with a variable Annual Percentage Rate (APR) as low as 4.0% thereafter.  When the introductory period ends, the rate will vary to reflect changes in an index, but will not be lower than 4.0%. Using the index and margin without this introductory rate, the current APR is 4.0%. Offer good with a new or existing Capitol Bank checking account. Take advantage of this limited time offer. Closing costs are limited to appraisal or title insurance if required.  

Information regarding the Capitol Advantage Home Equity Line of Credit Offer

This introductory rate requires:

  • A new home equity line of credit of at least $10,000
  • Secured by a first or second lien on the home
  • This credit plus the amount of other credit  secured by the home do not exceed 80% of the property value
  • That you already own the home
  • That you maintain a qualified Capitol Bank checking account during the term of the line of credit

How your rate is determined
The index that is used to determine APR is the Prime Rate published in the Midwest Edition of the Wall Street Journal. As of 11/01/2014, the Prime Rate was 3.25%. APR for qualified applicants is variable and will consist of the Prime Rate plus a margin ranging from 0% to 2.5% depending upon the occupancy status of the property, the combined loan to value ratio, maintaining a Capitol Bank checking account and your credit worthiness.

Any APR rate changes on your billing statement will be determined as disclosed above. See your billing statement for actual APR rate changes and effective dates. The APR will not exceed 18.00% or be less than 4.0%.

Other charges
An annual fee of $35.00 applies to all accounts and will be assessed on the anniversary date of the loan. Closing costs are limited to the cost of appraisal or title insurance, if required. Appraisal and title costs range from $200 to $1,000. Insurance on the property securing this loan is required and payable by the borrower.

Other requirements
This is a limited time offer and is subject to change. This offer is only valid in the State of Wisconsin and is subject to credit approval and property evaluation. Proceeds for this account may not be used to pay off an existing Capitol Bank line of credit unless an increase of $10,000 in line availability is established. Consult one of our mortgage lenders at 608-836-1616 for current rate and conditions.



As a Physician, your financial situation is uncommon. The structure of traditional mortgages does not align with your financial story. For this reason Capitol Bank has created a mortgage program that flexes in the right places.
We are a local bank making decisions in-house and carrying these loans ourselves rather than selling them off. You will work with the same person throughout the process with full transparency, we are just a phone call away

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Offer valid for purchase or refinancing of single family homes only. The property in question must be the primary residence of the individual securing the loan. Applicant must start employment in the medical field within 60 days of closing on the loan. Capitol Bank must receive proof of employment commitment prior to loan closing. Applicant needs a contract for residency or employment or must currently be employed as a physician, fellow, or resident. This offer is for medical doctors only as defined by the U.S. federal government. The maximum loan amount for this offer is $750,000. Subject to credit approval. Terms and conditions subject to change without notice.


Start Building Your DREAM HOME Today at a great starting rate of 1.99% 

with an APR of 3.605%*



Apply now for this construction loan with a great rate. Call us at 836-1616 or apply online.

*APR=Annual Percentage Rate. Financing available for a 9 month rate at 1.99% and 3.605% APR based on $300,000 loan that requires 8 monthly interest payments ranging from $249.75 to $257.04 and one balloon payment of $300,248.75. Offer applies to owner-occupied single unit residential construction, maximum 80% loan-to-value. Property must be located in Dane County. Limited time offer starting 2/1/2014. Subject to change without notice. Subject to credit approval. Some restrictions may apply. Consult your tax advisor on interest deductibility. Other fees may apply.