Buy or refinance with a ZERO Closing Cost mortgage
Get a great rate and save thousands with CapCenter.
Be the first to know when rates drop
Receive weekly rate updates and special notifications when rates fall.
Richmond's #1 Mortgage Lender
Voted as number one mortgage lender in Richmond, VA by Richmond Magazine readers in 2023
Richmond Chooses Local
More Richmond families chose CapCenter for their mortgage than any other lender—outpacing Wells Fargo, Bank of America, Truist, Rocket Mortgage, and 100+ others.
*Based on 2021 Consumer Financial Protection Bureau Home Mortgage Disclosure Act application volume data for Richmond metropolitan statistical area
All-in-One Homeownership
CapCenter's top-rated professionals deliver comprehensive and efficient service, offering every solution you need for your home in one place.
Whether you're buying, selling, refinancing, or securing homeowners, auto, or life insurance, CapCenter makes the entire process simple.
Our Story
We're still the same family-owned, local business that started in 1997 on a mission to provide the best home ownership services to our community.
We employ local residents, and our employees love to use our services too!
Our Vision
Our business is built on honest rates, honest fees, and trustworthy service. Our online mortgage calculator provides free, anonymous quotes with estimated rates, fees, cash to close, and monthly payments.
We are here to help build and support your home ownership needs and goals.
Thank You, Richmond
For helping us build our story since 1997. We appreciate your business and continued support.
Stay up to date with our rate alert, realty market, and corporate update email subscriptions. See you at our next pie day!
See why people choose CapCenter
How We Save You Money
How We Save You Money
Testimonial from Jason
Testimonial from Jason
Testimonial from Cathy
Testimonial from Cathy
Testimonial from Varun
Testimonial from Varun
How We Save You Money
Testimonial from Jason
Testimonial from Cathy
Testimonial from Varun
27 years
of savings and service
$12+ billion
in originated loans
50,000+
clients served
$1+ billion
in transacted realty values
Ready to apply?
Thank you for considering CapCenter as your financial partner. Apply instantly online or chat with our team when you're ready.