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Mortgage Options

No matter which Home Loan you choose, you'll save time and money:

  • Low closing costs – Closing costs well below the national average.1 
  • Easy to get started – Call us or we’ll call you; we’re ready when you are.
  • Refinance with HARP – Concerned that you can't refinance because you owe more than your home is worth? We may be able to help.

Fixed Rate Mortgages – 15 Year, 30 Year

Features  This Option May Be a Good Fit If 
  • Interest rate and monthly principal and interest payments are fixed for the life of the loan.
  • 30-year term is amortized over 30 years and 15-year term is amortized over 15 years.
  • Borrow up to 95% of your home's value.
  • No prepayment penalties.
  • You want the security and peace of mind of a guaranteed fixed rate that won't change for 15 or 30 years.
  • You want your monthly principal and interest payments to remain the same for the life of the loan.
  • You plan on keeping your mortgage for an extended period of time.
Additional information about fixed rate mortgages


Adjustable Rate Mortgages (ARM) – 5/1, 7/1

 Features This Option May Be a Good Fit If 
  • The monthly principal and interest payments are fixed for the initial loan term (5 or 7 years).
  • When the fixed-rate period ends and the loan begins to adjust, your payments will reflect the current rates, which might be lower or higher.
  • ARMs have limits (caps) as to how much the rate can change in the variable period: Cannot go up or down more than 5% in the first year the rate adjusts, more than 2% each subsequent year, and cannot go up or down more than 5% over the life of the loan.
  • Both ARMs are amortized over 30 years.
  • Borrow up to 90% of home value.
  • No prepayment penalties.
  • You don't plan on staying in your home for more than 5-7 years.
  • You would prefer a lower rate and monthly payments in the next 5-7 years and accept that your rate will vary after that period.
  • You want to build more equity in the next 5-7 years by making additional principal payments using the money you could save from having a lower interest rate.
Additional information about adjustable rate mortgages

Not all loan products or terms are available in all states. Normal credit qualifications and other terms and conditions apply. This does not represent an offer to enter a loan agreement. Loans subject to credit approval. Products, rates and terms subject to change without notice. Prepayment penalties do not apply.

Capital One, N.A., will pay closing costs up to $1,000. Certain restrictions apply. Promotion may not be used towards points, per diem interest or tax-deductible fees, such as property taxes and private mortgage insurance (PMI). Any portion of the promotional amount not used towards closing costs will be forfeited. Promotion may be limited by investor/insurer guidelines for each loan type. Advertised discount not available on home equity loans or home equity lines of credit. This offer is non-transferable and cannot be combined with any other offer. Advertised discount available only on applications submitted online or by phone by 07/16/2015.


Based on June 2014 Bankrate survey of closing costs on purchase mortgages

Products and services offered by Capital One, N.A., NMLS ID 453156, Equal Housing Lender and Member FDIC.

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires all mortgage loan originators to be registered in the Nationwide Mortgage Licensing System and Registry (NMLS). Mortgage loan originators and their NMLS IDs can be looked up at