This is my fourth time using CC - I closed on a new build in March of 2019. 6 months later rates dropped almost 3/4 of a point. I fired up an email to my favorite associate there, Turner. A few document uploads later, rate lock in September, we were all set to close on Oct 11. Walked in on a Friday at 4:30 and left by 4:50. Yes, it was that easy. Rates will be 10 basis points higher on average, and you have to have very good credit to avoid any fees. That is how they do not charge closing; extreme credit worthy customers and they will sell you loan. For me their business model is simple and easy. I will always work with companies that are easy to do business with.
The slightly higher rate is worth it as a few basis points over the life of a loan will likely not even exceed the 8K most local banks will charge to close a loan. Keep in mind a new construction build will always require you to front load your escrows. Very important as this can change your cash to close a few thousand dollars.
Review by Imen2 months ago
Fast and efficient process. Staff is EXCEPTIONAL!
Review by Levonda Leuca2 months ago
Second time doing business with CapCenter. Despite the huge volume of refis they were handling when I applied, they managed to make it seem as if my refi was all they were working on. Quick responses to questions and a smooth online process. Truly impressive company; highly recommended!
Review by Leniebelle2 months ago
Whole process was great. Easy to upload documentation. Closing was smooth and best of all, only had to pay escrow and prepaids. This was my 2nd refinance with CapCenter this year. Would have been too expensive with other lenders to do that.
Review by GratZki2 months ago
Best experience I ever had far as refinancing, all of the employees there were very professional and very helpful. If you’re looking for a loan or Refinance Cap Center is the place And zero closing is a fact.
Review by DanielJC3 months ago
Excellent customer service. Fast & user friendly document portal.
Review by Caloris3 months ago
They did a great job working with us on the refinance. We locked in a great rate and they communicated every step so there were no surprises. Closing was quick and easy.
Review by RetailerG3 months ago
Great company. Performed as advertised. Will you you again!
Review by Boostify3 months ago
Cap Center was very efficient and made the process so easy. They answered all my questions and gave me a great rate. I got a 15 your mortgage, lower rate, and cheaper monthly payments. The were awesome and I recommend anyone looking to refinance to check them out.
Review by Herriesc4 months ago
Great experience!! Prompt and efficient!! I would highly recommend them for all your real estate needs!
Review by LarryG Villmann4 months ago
CapCenter did an excellent job in handling our refinancing. Our dedicated associate from CapCenter assigned to our closing was extremely responsive from day 1 all the way through to closing. This was exceptional especially considering this day in time where personal service is lacking ...and also due to high volumes I expected less as well ... Closing was very efficient ... and now see why our Financial advisors, whom we trust, recommended them so highly!
Review by Upland4 months ago
Excellent service. Best and easiest process. Knowledgeable and friendly staff.
Review by Shivanya4 months ago
Excellent experience, thank you for the service.
Review by IMPrimbaud4 months ago
I have heard good things about cap center. Unfortunately, I am not overly impressed with their communication. Frazier needed to dominate our conversation, and wasted time. I am very well informed. I had submitted almost all of the information on my application, and he went over it anyway. (lengthy phone process, don't waste time putting it on a application as it will be double your time). When I told them I wanted to wait a couple months and pay some things off he tried to "educate" me on interest rates, indicating how "volitale" rates are. Much appreciated but obviously he did not want to let go of the loan.
Although "no out of pocket costs", their rates are higher than my friend's that is a mortgage broker. Also, they sell your loan immediately, which is not a big deal but is how they pay for your loan. I guess that is part of the reason they have no closing costs.
Overall a good format, but if your well educated there are other choices that are better.
Review by Garnish Evelinn5 months ago
Best Refinance ever!!!! And NO Closing Costs for real!!!
Getting ready to do another!!
Review by SizmXn5 months ago
I can't say enough good things about CapCenter and its staff. I have used them several times in the past and each experience improved on the last. They truly care about their clients,they ensure there is good communication, excellent customer service and they always put you first.
A fantastic company to deal with on every level, from your first initial contact to the closing process things are smooth and painless. They make it look too easy
My highest recommendation goes to the CapCenter Team.
Review by LetitiaD5 months ago
Superb all the way around!
Review by Yanling5 months ago
Have used CapCenter twice now. If you have at least 20% equity in your home this company is the best. Easy application, on line document load site, efficient and quick responses from team members. Best of all no out of pocket closing cost expenses and no surprise or hidden fees. Interest rate will be a little higher because of this structure but well worth it and easy for tax filings.
Review by Mulikatu5 months ago
I have used Cap Center in the past and would rate those experiences as 5 star. We had an issue this time as we changed our ownership to a living trust. This seemed to present a problem. There was an issue in printing off the closing documents due to it being a trust. I also wanted to use and provided a power or attorney document in order to allow me to do the closing. I requested this since my wife is in a wheelchair and I was trying to avoid her having to come. We were told at the last minute that she would need to come or someone would need to come to our house - both of us came to the closing.
I also advised that I would be on vacation the week before the closing date and if anything was needed, to let me know. I was advised of the escrow amount that was needed and since it was over $1,000, I would need to bring a cashier's check. This notice was given the day of the closing. I had to scramble to get the money wired which was an additional inconvenience.
Review by Bafford5 months ago
Very good experience with them.
Review by Cog5 months ago
Best mortgage experience and lowest fees ever experienced.
Review by Blazevic Buccione6 months ago
The employees at Cap Center were very easy to work with and very efficient
Review by Dotwin6 months ago
Very fast refi, did all the paperwork in a day. Closing took 20 minutes. We love CapCenter!
Review by Gradice Bronw6 months ago
Easy and fast closings....
Review by ShanVanT Vixta6 months ago
Everything went through smooth from start to finish. A true bunch of professionals!