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Types of Loans*


Capital Bank offers a variety of loan programs to meet your needs.  We are mortgage bankers who make sure you have the best possible loan solution the mortgage banking industry can provide:

  • Customer Service Excellence - You are our top priority, you will always be our top priority. You will always be respected and cared about. Your questions will be answered in a clear and thoughtful manner and you can expect that experience from us. Expect excellence we won't let you down.
  • Experienced and thoughtful mortgage lending team - We know what we are doing and will help you find the best and most fair loan for you. 
  • Education of first time home buyers and to buyers - All buyers who want to experience the best of the best in lending process from pre-application consultation through closing.
  • Mortgage analysis of your current loan - Reviewing all your options to meet your loan and short term goals.
  • Diverse loan programs and products - We have programs that make sense for borrowers who seek the lender who will listen and understand what you want and need.
  • Understanding team members - Our team members make it an easy process to one of the most complicated choices you might ever make.
  • Fast and accurate loan approvals - We make promises and we keep them.


FHA Fixed Rate Loans

FHA Home Loans offer you  a great opportunity in purchasing your home with a mortgage that fits your budget and down-payment. You can purchase a home with a FHA loan with as little down at 3.5% of the purchase price. The monthly mortgage insurance is lower compared to other mortgage products.

FHA loan limits change per county and state. Please talk to one of our trusted advisors to help you pick a program that will be right for your home purchase.


VA-Veteran's Administration Loans

Capital Bank has 2 primary beliefs why we offer VA Loans. First, we believe every active service member and veteran alike should be aware of their VA benefits for home ownership. Secondly, active service members and veterans should have access to a knowledgeable VA Home Loan Professional to guide them through the VA home loan process.

Don't Know If You Qualify For A VA Loan?

Almost every veteran is eligible for Veterans Affairs benefits, such as VA home loans. These loans are generally the best choice for veterans who are planning to purchase a new home or refinance an existing home mortgage.

Get Pre-Qualified Today!

Whether you are planning to purchase a new home, refinance your existing home loan for a lower interest rate or to take cash out, contact us to obtain a Certificate of Eligibility and get pre-qualified.


Qualified veterans and active duty military can obtain a loan of up to $417,000, or $625,500 in high-cost areas, with no money down. Let a knowledgeable, courteous VA Loan Specialist help you to maximize your VA benefits today.



 Capital Bank will help you get information, provide advice and answer your questions about the VA Loan program. Veterans and active-duty service personnel can use their VA Loan Benefit to purchase a home, refinance or consolidate debt.


If you qualify for a VA loan, there is no down payment required, no monthly mortgage insurance premiums, easier credit qualifying and rates are often lower than other loan programs.

 Conforming-Fixed Rate and ARM Products

Conventional loans may be conforming and have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac. These two stockholder-owned corporations purchase mortgage loans complying with the guidelines from mortgage lending institutions, packages the mortgages into securities and sell the securities to investors. By doing so, Fannie Mae and Freddie Mac, like Ginnie Mae, provide a continuous flow of affordable funds for home financing that results in the availability of mortgage credit for Americans.

Fannie Mae and Freddie Mac guidelines establish the borrower credit and income requirements, down payment, and suitable properties. Fannie Mae and Freddie Mac announces new loan limits every year.


RHS Loan Programs

The Rural Housing Service (RHS) of the U.S. Dept. of Agriculture guarantees loans for rural residents with minimal closing costs and no down payment. 

Each State and County has specific loan and income limits please call us for the details on the State and County needs.

Ginnie Mae which is part of HUD guarantees securities backed by pools of mortgage loans insured by these three federal agencies - FHA, or VA, or RHS. Securities are sold through financial institutions that trade government securities.

 Jumbo Loans

Loans above the maximum loan amount established by Fannie Mae and Freddie Mac are known as 'jumbo' loans. Because jumbo loans are bought and sold on a much smaller scale, they often have a little higher interest rate than conforming, but the spread between the two varies with the economy.

If you are looking for a jumbo loan and need more information or advice, we invite you to take advantage of our database of the most competitive lenders available. Just complete a short loan request form.


Mortgage Loan Programs Available:

  • Conventional - Conforming (loans under $417,000) Fannie Mae and Freddie Mac 
  • Conventional - Non-Conforming products are available
  • Conventional - Jumbo (loans above $417,000)
  • FHA (loan limits change per county and state) Ginnie Mae
  • Proudly serving our veterans and active duty military Veteran's Administration loan limits $417000 and High Cost States up to $625,500. We have VA loans with Jumbo Loan Limits.
  • USDA - Rural Development Loans - Ask about your County Loan Limits (only for Purchase Money Transactions)

*All loans are subject to credit approval.


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Capital Bank, N.A.- NMLS 401599
2275 Research Blvd., Suite 600, Rockville, MD  20850
Toll Free:  (877) 568-4262
Office:  (301) 468-8848
Toll Free:  (888) 883-2797
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