Residential Loans

Our mission is to serve our customers with honesty, integrity and competence.

Residential loans are one of the most important financial tools for individuals looking to purchase or refinance a home. These loans, often referred to as mortgages, provide the necessary funds to turn the dream of homeownership into reality. At Capital United, we specialize in offering tailored residential loan options that cater to diverse financial situations and needs. Whether you are a first-time homebuyer or a seasoned investor, our team is here to guide you through every step of the process.
Our residential loans come with flexible terms and competitive interest rates, ensuring that you find the best financing solution for your specific goals. We offer a variety of loan products, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each option has unique benefits, and our experienced loan officers will work with you to determine which one aligns with your budget and long-term objectives.
At Capital United, we believe that transparency and personalized service are key to a successful loan experience. From the initial consultation to the final closing, we are committed to making the process as smooth and stress-free as possible. Our goal is to help you secure a loan that not only meets your immediate needs but also supports your long-term financial success.

Fixed Rate Mortgages (FRM)

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The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)

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Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)

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Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

FHA Loans

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FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans

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VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages

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Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM

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Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs

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This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon Mortgages

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Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Reverse Mortgages

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Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Graduated Payment Mortgages

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Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

What kind of loan program is best for you?

Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.