Mortgages made simple.

We're dedicated to making the home loan experience a positive one and minimizing the hassle and stress of buying a home. An important part of that commitment is keeping things simple. Our goal? Give you the information you want, when you need it – on time and on budget.

Fixed Rate

With our Fixed Rate Home Mortgage, your monthly principal and interest payment are fixed for the life of your loan. It makes managing your money simpler because this element of your monthly budget always stays the same.

Adjustable Rate

These loans offer lower rates and lower payments for a full 1, 3, 5, 7 or 10 years. Plus, you have the flexibility to convert to a fixed rate loan – AT NO COST.

Interest-Only Loans

These loans can lower your monthly payment by hundreds of dollars. And because there is no prepayment penalty, you can make principal payments during the interest-only period.

FHA Loans

We are approved to provide loans insured by the Federal Housing Administration. These loans provide many opportunities to all borrowers who qualify.

Home Equity Line of Credit

Gain access to the equity in your property with a flexible, low interest line of credit.

No-Cost Loans

A mortgage with no costs - no points, no application fee, no appraisal fee, no processing fee, no credit report fee and no lender costs. That’s a savings of about $2,000 right up front for most homebuyers. And, you only need 3% down.

Construction

Our Home Construction/Permanent Loan allows you to arrange both the construction loan and permanent mortgage financing for your new home in a single transaction.

Bridge Loans

At Capital Financial Bancorp, you can still buy before you sell. Our Bridge Loan allows you to defer payments on your current house - leaving only the payment on your new home. So you don't have to worry about more than one mortgage payment while you're selling your old house.

We keep it simple.

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