Is there a catch?

CapCenter’s Zero Closing Cost offer means that we offer to waive or pay traditional loan closing costs charged by other lenders for standard loan options. There is no catch! We waive the closing costs while still offering competitive rates and without adding the costs to the loan amount. CapCenter is able to provide unbelievable value by combining realty, mortgage, and insurance services all under one roof.

CapCenter is the #1 mortgage lender in Richmond in 2023 and 2021 by Richmond Magazine and in 2021 by volume based on 2021 Consumer Financial Protection Bureau (CFPB) HMDA data. We served 50,000+ clients since 1997 (25+ years), 95% of our clients would recommend to family and friends based on feedback from client satisfaction scores, and CapCenter has an A+ Rating on Better Business Bureau (BBB) last checked on March 17, 2023.

Read our disclosures to see how CapCenter's Zero Closing Cost offer works for you in your state.

Check out our mortgage calculator for more detailed estimate on fees that are waived or not waived.

Apply now to get a personalized quote.

Click here to read what our past clients say about us.