Capital Bank 1-877-568-4262! We help home buyers and owners!

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

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. Capital Bank Home Loans offer 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.

Mortgage Pre-qualification can be a good starting point in your home search. Knowing the maximum loan amount for which you would likely qualify for, based on the current market rate and your current financial situation, before you begin your search, can help ease the process of a new home purchase, even in a competitive market, and give you extra leverage when putting in a bid on your home.

Pre-qualification. A review of your income and debts using standard methods of determining housing and debt ratios to indicate the maximum loan amount for which an applicant would most likely qualify, subject to the satisfactory appraisal, further verifications of income, employment and credit history.  The details of the pre-qualification letter are based on the current market rate with an estimated closing date. Final approval of the underwriter, verifications of all information disclosed to Capital Bank, as well as satisfactory appraisal of the subject property equal to or no less than the ratified sales price, a clear title search and other verification with satisfactory results are required. 

A pre-qualification letter can give you the power to negotiate. A seller may take your offer much more seriously knowing you are already working with a lender! Pre-qualification can also shorten the time it takes to close, making a potentially lower bid more attractive to sellers who seek to move quickly.