Capital Bank Home Equity
Capital Bank Home Equity
in Home Equity Loans from Capital Bank

Capital Bank Home Equity

in Home Equity Loans from Capital Bank
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APR  (Fixed APR) Starting at 3.25%
Loan Term (Years) 3 - 15 years
Loan Amount Starting at $10
Maximum LTV 90%

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 across the USA.

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.

What home equity loan rates does Capital Bank Home Equity offer?

Capital Bank Home Equity offers home equity loans with a fixed APR

Remember the APRs of home equity loans do not include points and financing charges, just the interest rate.

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.

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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!


  Available in 2 states
  • New York
  • Pennsylvania

Feature Breakdown

No Origination Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Secondary Home
  • Investment
Maximum LTV 90%
Minimum Age 18
Supported Income Types
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Mortgage Features
  • Flexible Payments
  • No-Closing-Costs Option
APR (Fixed APR) Starting at 3.25%
APR Type Fixed APR
Loan Amount Starting at $10
Loan Term 3 - 15 years
Interest Rate Types Offered Fixed-Rate Mortgage

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