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Our Guarantee:

You get a free, guaranteed rate for 60 days when buying or refinancing your home. This means your rate is guaranteed ? even if rates go up during that time.

Purchasing Rates

For loans up to $417,000


Fixed Rate Mortgages

Option Interest Rate Points APR Monthly Payment
15-Year Fixed Rate
30-Year Fixed Rate

Adjustable Rate Mortgages (ARM)

Option Interest Rate Points APR Monthly Payment
5/1 Adjustable Rate
for the first 5 yrs.
7/1 Adjustable Rate
for the first 7 yrs.

Example monthly payments are based on a loan amount of $250,000 a purchase transaction, excellent credit history, a 60% combined loan-to-value ratio (40% down payment), and do not include taxes and insurance ? actual obligation will be greater. Advertised Annual Percentage Rate (APR) is effective as of but keep in mind that rates are subject to change and are not guaranteed until locked. If approved, your terms may vary based upon your specific situation.

For loans between $417,001 and $625,500


Fixed Rate Mortgages

Option Interest Rate Points APR Monthly Payment
15-Year Fixed Rate
30-Year Fixed Rate

Adjustable Rate Mortgages (ARM)

Option Interest Rate Points APR Monthly Payment
5/1 Adjustable Rate
for the first 5 yrs.
7/1 Adjustable Rate
for the first 7 yrs.

Example monthly payments are based on a loan amount of $500,000 a purchase transaction, excellent credit history, a 60% combined loan-to-value ratio (40% down payment), and do not include taxes and insurance ? actual obligation will be greater. Advertised Annual Percentage Rate (APR) is effective as of but keep in mind that rates are subject to change and are not guaranteed until locked. If approved, your terms may vary based upon your specific situation.

For loans between $625,501 and $2,500,000


Fixed Rate Mortgages

Option Interest Rate Points APR Monthly Payment
15-Year Fixed Rate
30-Year Fixed Rate

Adjustable Rate Mortgages (ARM)

Option Interest Rate Points APR Monthly Payment
5/1 Adjustable Rate
for the first 5 yrs.
7/1 Adjustable Rate
for the first 7 yrs.

Example monthly payments are based on a loan amount of $750,000 a purchase transaction, excellent credit history, a 60% combined loan-to-value ratio (40% down payment), and do not include taxes and insurance ? actual obligation will be greater. Advertised Annual Percentage Rate (APR) is effective as of , but keep in mind that rates are subject to change and are not guaranteed until locked. If approved, your terms may vary based upon your specific situation.

  Attention Homeowners:

Need help making your mortgage payments?
Find out about mortgage assistance options.

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.

Rate and payments for ARM loans are based on a 30 year term. Rate and payment information shown is for the initial 5 or 7 year period, and your interest rate and monthly payment amount may increase after the initial 5 or 7 year period ends.

Refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid when compared to your current situation. Normal credit qualifications and other terms and conditions apply. For certain counties, our loan limits may vary. Rates do not apply to cash-out refinance transactions.

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 http://www.nmlsconsumeraccess.org/.