Mortgages

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.

 

Fill out the form below if you:

  • would like to speak with a lender

  • would like more information

  • would like to apply for a mortgage loan

  • need a PRE-APPROVAL OR PRE-QUALIFICATION! This helps you when home inventory is low!

Loan Types

Here at Capitol Bank we do more than standard home loans. While a big part of our offering, we recognize that your financial situation may be unique and we’re here to help you find a solution to fit your needs.

Conventional Fixed Rate

The payment is fixed over the life of the loan. No prepayment penalty on these loans.

Adjustable Rate Mortgages (ARM)

The rate is lower in the beginning, but can adjust after the initial rate period based on a market rate index. An ARM may be a good option if you plan to move or you expect an increase in income.

Jumbo Mortgage

A fixed rate mortgage where the loan amount exceeds $548,250, available on primary homes.

WHEDA Fannie Mae Advantage

First time home buyer program with low down payment options.

Investment Properties

For 1-4 units which are non-owner occupied.

Physician’s Loan

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.

Construction Loans

During the construction of your new home you pay interest on the amount that is drawn. Refinance into permanent financing upon completion of your home.

Lot Loans

Purchase a lot to build on at a later date.

Home Equity Loans

Use the equity you have built up in your home for a variety of reasons like home improvement, debt consolidation, or vehicle purchases. These loans may be structured as a fixed rate loan with set payments or as a line of credit for more flexibility.

Personal Loans

Personal loans can be used for vehicle or other purchases.

Our People

Amy, Cori, and Howard are here to guide you through the process. They’ve seen it all and approach every customer with a friendly, positive attitude.

Howard Cagle

NMLS #593729
Assistant Vice President / Mortgage Lending