Buy a Home.
Strengthen Your Future.
Support the Chesapeake Seventh-Day Adventist Community.
1-1 Mortgage ConsultationsAvailable in Spanish & English Capital Bank Donates $1,0001 per Loan to the Seventh-day Adventist Communityat no additional cost to you Dedicated Mortgage ExpertiseSave time & money Fast Pre-ApprovalsNo impact to your credit
Explore Your Homebuying Options
Why More Homebuyers Choose Capital Bank Home Loans
We strive to make the homebuying process simple and stress-free while helping you save.
Give Back by Taking Part
Capital Bank donates $1,000 to the Seventh-day Adventist community with every closed loan-at no additional
cost to you.
Price Match Guarantee
We guarantee the best mortgage pricing whether you’re purchasing or refinancing.2
1-1 Homeownership Consultations
We offer free homeownership consultations to understand your homebuying options and help you save.
Bilingual Support
We offer mortgage expertise in
Spanish & English.
Credit Repair & Financial Coaching
Hands-on financial guidance and support to determine your best path to homeownership.
Access to Down-Payment Assistance Programs
We have access to hundreds of down-payment assistance programs.
Trusted by Thousands of Homeowners Nationwide
Frequently Asked Questions
Does this program come with additional costs to me?
No, we actually anticipate leveraging this program could help you save money on your mortgage or refinancing. At Capital Bank, we are passionate about helping people on their path to homeownership, whether that’s buying a first home or planning for the future.
Additionally, the $1,000 donation to Chesapeake Seventh-Day Adventist Church is provided by Capital Bank, at no additional cost to the borrower.
Can I qualify for a Federal Housing Administration (FHA) loan?
An FHA loan is a government insured home loan with more flexible lending requirements than conventional mortgages. It’s available for homeowners with down payments as low as 3.5%. The lower credit score requirements may make it a good option for a first-time home buyer or a home buyer needing a lower down payment.
While mortgage insurance can be more costly than a Conventional loan, it could be a great option to get you into your first home
Do I need to put down 20%?
Not necessarily! Many loan options let you buy a home with less than 20% down. With a Conventional loan, you may only need 3-5% down if you’re a first-time homebuyer, though you’ll pay Private Mortgage Insurance (PMI). FHA loans require just 3.5% down and include Mortgage Insurance Premiums (MIP). If you’re a veteran, VA loans offer even lower or no down payment options.3 Let’s find the best fit for you!
What’s an Adjustable Rate Mortgage (ARM)?
An ARM is a home loan with an interest rate that changes over time based on market conditions. It typically starts with a lower fixed rate for a set period (e.g., 5 years), then adjusts at regular intervals (e.g., annually).
Rates can go up or down, but most ARMs have caps that limit how much they can change. If a cap holds your rate down during one adjustment, the difference may carry over to the next—so your payment could still rise even if rates stay flat.
ARMs can offer savings upfront but may cost more later, depending on interest rate trends and how long you keep the loan.
What’s the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate of what you might qualify for based on basic financial info.
A pre-approval goes a step further—we review your credit, income, and assets to give you a conditional commitment for a specific loan amount. While some steps, like the appraisal and title work, still need to be completed, a pre-approval shows sellers you’re a serious buyer.
Does a Capital Bank Home Loan have discount points?
You always have the option to buy down the interest rate by paying discount points.