Predictable payments from a reliable mortgage partner
Looking for a mortgage with stability and peace of mind? A fixed-rate home loan offers consistent monthly payments over the life of your loan - making it one of the most popular choices for homebuyers.
Conventional mortgages generally offer the advantage of faster processing compared to government-backed loans and the potential to build equity sooner because they typically require a higher down payment. However, while most conventional loans require a minimum of 5% down, Capital City Home Loans offers a conventional program with only 3% down.
Highlights:
- Competitive interest rates
- Terms typically available in 15 or 30 years
- Great for buyers planning to stay in their home long term
Our mortgage consultants can help you explore the best fixed-rate mortgage options to match your budget and timeline.
Ready to lock in a rate?
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Compare mortgage features & advantages
The choice of which mortgage program is right for you depends on a number of factors, including your current financial picture and how long you intend to keep your house. Learn more about the general features and advantages of each program, then allow our mortgage experts to help you evaluate your options and choose the best fit for your plans.
| Mortgage Type | Best mortgage if you want: | ||||
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| Fixed Monthly Payments | Adjustable Rates | No or Low Down Payment | Good Option for First Time Buyers | Construction to Permanent Eligible | |
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Adjustable-Rate Mortgage Key Features: Lower initial interest rates. Potential for significant savings if planning to move in a relatively short time. More on ARMs |
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FHA Loan Key Features: Lower down payment requirements. Great option for first-time home buyers. More on FHA Loans |
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Fixed-Rate Mortgage Key Features: Predictable monthly payments. Good option for buyers purchasing their forever home. More on Fixed-Rate Mortgages |
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USDA Rural Development Guaranteed Loan Key Features: No down payment. Liberal qualifying guidelines. Properties must be in USDA-eligible areas. More on USDA Loans |
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VA Home Loan Key Features: Relaxed qualifying guidelines. Available to veterans of the U.S. Armed Forces and their spouses. More on VA Loans |
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Jumbo Home Loan Key Features: For larger loan amounts that exceed conventional limits. More on Jumbo Loans |
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