Capital Bank 1-888-524-0545! We help home buyers and owners!

Our entire purpose is committed to help you find the right mortgage. We understand that every borrower is different!

While other mortgage companies are closing doors Capital Bank is opening doors to home ownership with the expertise necessary to get the loan done!

We are here to make the difference for you.  We resolve to answer your questions and to deliver great service. 

Capital Bank offers a variety of mortgage products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools that enable you to make sound and fair financial choices.

Pre-approval: is the starting point in your search for mortgage financing. A quick snapshot is taken which includes income, existing debt, savings, length of employment, and past credit history.

Pre-approval is written documentation that shows you have the support of a lender who is willing to finance you. It means an underwriter has reviewed your loan application. Based on your income, debt ratio and savings, the underwriter provides the dollar amount you are eligible to borrow. Now you can shop around for a home that will fit into that loan amount category.

Pre-approval gives you the leverage to shop as a cash buyer! With a pre-approval in hand, you have the power to negotiate. The seller will take your offer much more seriously knowing you are already approved by a lender! Pre-approval can also shorten the time it takes to close, making your lower bid attractive to sellers who seek to move quickly. (Our resources of Realtors will help you negotiate the best contract.  Ask us today for a referral to the Best of the Best Realtors!)