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.
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.
For 1-4 units which are non-owner occupied.
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.
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.
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 can be used for vehicle or other purchases.
Amy and Cori are here to guide you through the process. They’ve seen it all and approach every customer with a friendly, positive attitude.