Capital One Bank — Home Purchase Loans

The Power of Pre-Qualification

  • Know how much home you can afford
  • Let sellers know that you are a serious buyer 
  • Be prepared to close quickly when you find a home
  • If rates fall before you close, we'll lower your rate
Start a New Home Loan Mortgage Account. or call 1-866-923-4954

The Advice of a Personal Mortgage Consultant

Capital One offers a variety of mortgage types to help you finance a home purchase – from low down payment FHA loans to $2 million jumbo loans.

Whether you're a first time home buyer or moving into your next house, a dedicated mortgage consultant will be there to help you every step of the way.

Get Started or call toll-free 1-866-923-4954 

Find the Right Loan

Call 1-866-923-4954, or

Get help finding the right home loan for you

Purchase Rates

Current rates for our most popular mortgage

Capital One's current APRs for 30 year fixed, 15 year fixed, and 5/1 Jumbo ARM mortgage loans.
 Mortgage Loan  APR1
30 Year Fixed2 3.967% 
15 Year Fixed2 3.268% 
5/1 Jumbo ARM3 2.952% 

As of - 10:00AM ET 2/8/2012

View Additional Mortgage Rates

The Mortgage Process:
Easier than you think

Our easy to follow Mortgage Guide lets you know what to expect every step of the way.

Mortgage Guide

Tools and Calculators

Capital One, N.A., NMLS ID 453156.

Loans subject to credit approval. This does not represent an offer to enter into a loan agreement. Rates and terms subject to change without notice. Due to various federal, state, and local requirements, certain products may not be available in all areas.

1

Advertised Annual Percentage Rate (APR) is subject to change at any time. The APRs above may vary for loans with less than the stated down payment, and borrower-paid mortgage insurance may apply.

2

 30 Year Fixed and 15 Year fixed rates and APRs are based on an excellent credit history, $250,000 loan amount, 20% down payment, and 80% combined loan-to-value ratio. Additional terms and restrictions apply.

3

Jumbo 5/1 ARM and Jumbo 5/1 Interest Only ARM rates and APR is based on an excellent credit history, $750,000 loan amount, 30% down payment and 70% combined loan-to-value ratio. Interest rate is subject to change after initial 5 year period. Please request a rate schedule for specific terms. Additional terms and restrictions apply.