Home Loan Options

Looking for a home mortgage to Buy, Build, or Refi in Georgia, Florida, Alabama, South Carolina, North Carolina, Tennessee, or Virginia? Finding a great home loan involves careful consideration of your needs, finances, and dreams. Capital City Home Loans offers a wide range of home loan options to fit you and achieve your goals. We can help with your home mortgage needs just about anywhere in the Southeast.

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Purchase

Conventional Loan

Mortgages for Primary, Vacation, and Investment Properties backed by Fannie Mae & Freddie Mac.

FHA Loan

An FHA loan provides a low down-payment government-insured mortgage with flexible credit guidelines.

VA Loan

VA Loans offer flexible 100% financing mortgages for our Active Military, Reserve, Guard, and Veterans.

USDA Loan

Purchase a home with 100% financing and no money down in certain rural and suburban areas.

Construction & Renovation Loan

One-time close construction mortgage loans to build or renovate a home.

Land Loan

Purchase the land of your dreams with our in-house land loan.

Jumbo Loan

Jumbo home loans offer maximum flexibility for financing more expensive homes.

Vacation & Investment Properties

Purchase your new vacation home or start your rental portfolio. Traditional and DSCR Loans available.

Portfolio Niche & Non-QM Loans

Having trouble qualifying for a traditional mortgage? These loans can help.

First Time Home Buyer

Popular loan programs for first time home buyers.

Down-Payment Assistance

Ready to buy, but need some down-payment help? These programs may be right for you.

Refinance

Rate & Term Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

Refi & Renovate

One-time close construction mortgage loans to renovate your home.

VA Loan Refinance

There are two main ways to refinance your VA loan.