Skip to content
SuperMoney logo
SuperMoney logo
Home Equity Loans
Advertiser Disclosure

Last Updated: 04/18/2025

Capital Bank Home Equity

in Home Equity Loans from Capital Bank

Last Updated: 04/18/2025

Capital Bank Home Equity logo
No Reviews Yet

This product has no reviews yet. Help others by sharing your thoughts.

Be the first to rate
Cast Your Vote icon

Cast Your Vote

Compare All Home Equity Loans

Filter & compare all your options in one place.

Filter & compare all your options in one place.

View All Products
Highlights icon

Highlights

Credit Score Range

N/A

Amount Range

Starting at $NaN

Maximum LTV

90%

Loan Term (Years)

3 - 15
Speech bubbles icon

Capital Bank Home Equity Review

Capital Bank Home Equity is offered by Capital Bank , a bank founded in 1995 and based in Albany, NY. Capital Bank Home Equity are available in 2 states.

Key Takeaways

  • No primary residences considered. Capital Bank Home Equity does not offer financing for primary homes.
  • No-closing-cost mortgages available. This option allows you to include the closing costs into the new loan, so you don't pay for these expenses upfront.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • No origination fees. Capital Bank Home Equity does not charge fees for processing your application.
  • High maximum LTV ratio. Capital Bank Home Equity has a maximum loan to value ratio of 90%.

Capital Bank Home Equity Pros & Cons

Capital Bank Home Equity FAQ

What are the home equity loan requirements of Capital Bank Home Equity

This lender's maximum loan to value rate is 90%. That means the total debt secured by the property cannot exceed 90% of its value. Let's say you own a property with a current market value of $100k, but you still owe $20k on your mortgage. Your equity would be $80k. In this scenario, if you have good credit, you may qualify for a line of credit of up to $70k.
Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate. However, Capital Bank Home Equity does not charge an origination fee.

What fees does Capital Bank Home Equity charge for a home equity loan?

Good news. Capital Bank Home Equity does not charge a mortgage origination fee.
Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

What types of property can you use as security for a home equity loan with Capital Bank Home Equity?

Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. Capital Bank Home Equity will consider loans secured by the following property types:
  • Secondary homes and vacation properties.
  • Investment properties and house flipping projects.

Is Capital Bank a legit company?

Capital Bank was founded in 1995, it is a well-established company that has been in business for 31 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Capital Bank Home Equity logo

Message from Capital Bank Home Equity

Many homeowners have a substantial amount of equity accumulated in their home. Equity is the difference between the present value of your home and the amount you owe, if any, on a mortgage. With our home equity options, we can give you an opportunity to use the valuable equity you have accumulated. There are several other reasons to consider a home equity line or loan. It's convenient. The interest on a home equity line or loan may be tax deductible. Contact a tax advisor regarding the deductibility of interest. There are no closing costs as long as you maintain the account for at least 3 years. Repayment options offer flexibility. Learn more about our home equity programs and which one is best for you!




Contact

Headquarters

132 State Streen
Albany, NY 12207
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 1:00PM

Other Services by Capital Bank