Mortgage Rates

Mortgage Solutions

Finding the right mortgage financing for your home is one of the most important decisions you will make. And ensuring you have the right mortgage financing tailored to your situation can only be achieved by working with an experienced mortgage lending consultant who works for your best interest.

The sampling below provides an estimate of today’s rates. If you are buying a new home, you may be eligible for an even lower interest rate. Apply Now or contact a Mortgage Consultant to review loan types and interest rates for your specific needs.

Capital Bank Portfolio ARM Products (Based on $800,000 loan amount)

 Term Rates* APR** Principal & Interest 
Capital Bank 3/1 ARM No Points 2.625% 2.817% $3,213.20
Capital Bank 3/1 ARM 1% Points  2.500% 2.867% $3,160.97
Capital Bank 5/1 ARM No Points 2.875% 2.899% $3,319.14
Capital Bank 5/1 ARM 1% Points 2.750% 2.925% $3,265.93
Capital Bank 7/1 ARM No Points 3.000% 2.956% $3,372.83
Capital Bank 7/1 ARM 1% Points 2.875% 2.977% $3,319.14
Capital Bank 10 Year Fixed No Points 3.000% 3.065% $7,724.86
Capital Bank 10 Year Fixed 1% Points 2.875% 3.152% $7,632.88

*Rates are current as of the date of the latest update and subject to change without notice. Adjustable Rate Mortgage (ARM) interest rates will be determined based upon an Index plus a margin.  The Index is the one-year London Interbank Offered Rate (LIBOR) as published in the Wall Street Journal.  ARM interest rates are subject to increase or decrease after the original fixed rate period based on changes in the Index.  Rate adjustments are limited to annual and lifetime caps.

**The Annual Percentage Rate (APR) displayed assumes a 20% down payment.  The monthly payment amount displayed includes principal and interest and does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment.  ARM payments are based on the initial fixed rate.  Secondary Market APRs are based on a loan amount of $170,000 and a loan term of 30 years unless otherwise indicated.  Capital Bank Portfolio APRs are based on a loan amount of $800,000 and a loan term of 30 years unless otherwise indicated.  APRs are based on an approximate cost of prepaid finance charges, including a 1% origination fee if indicated.  Actual prepaid finance charges, closing costs and monthly payment on your specific loan transaction may vary based on property type, location and down payment.

These mortgage rates and terms are based on a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score.  Other restrictions may apply and all applications are subject to credit approval.  Please contact a Capital Bank Mortgage Consultant for additional information.