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Mortgage options for your dream home at rates you can afford.
Build Your Dream Home
Apply for a new construction loan with this great rate. Don’t delay your building process as rates are always subject to change.
- We provide construction loans to build your new home. Construction loans are typically short term with a maximum length of 9 months. We work directly with your general contractor and a title company to make sure your new home construction goes smoothly.
- At the end of the construction loan, your loan will be refinanced into your “end loan”. This “end loan” is either a fixed rate or ARM, depending on your preference.
Home Affordability Calculator
Current Mortgage Rates
| Product/Term | Interest Rate | APR* | Learn More |
|---|---|---|---|
| 30 Year Fixed Rate | 6.750% | 6.832% |
Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. At a 6.750% interest rate, the APR for this loan type is 6.832%. The payment schedule would be:
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. |
| 15 Year Fixed Rate | 6.250% | 6.381% |
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. At a 6.250% interest rate, the APR for this loan type is 6.381%. The payment schedule would be:
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. |
| Residential 5/1 Portfolio T-Bill ARM | 6.875% | 7.179% |
Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. At a 6.875% initial interest rate, the APR for this loan type is 7.179%, subject to increase. Based on current market conditions, the payment schedule would be:
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. |
| Residential 7/1 Portfolio T-Bill ARM | 7.250% | 7.334% |
Learn More
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $150,000 and an estimated property value of $250,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. At a 7.250% initial interest rate, the APR for this loan type is 7.334%, subject to increase. Based on current market conditions, the payment schedule would be:
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. |
Mortgage Lending Team
Our experienced mortgage lenders will walk you through each step of the process. Contact us to learn more about Residential Lending.
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The Capitol Bank team focuses on meeting your business, mortgage, personal and commercial banking needs.
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