Loan Types

Here at Capitol Bank we do more than standard home loans. While a big part of our offering, we recognize that your needs and financial situation varies and you need loan products that deliver.

Conventional Fixed Rate

The payment is fixed over the life of the loan. No prepayment penalty on these loans.

Adjustable Rate Mortgages (ARM)

The rate is lower in the beginning, but can adjust after the initial rate period based on a market rate index. An ARM may be a good option if you plan to move or you expect an increase in income.

Jumbo Mortgage

A fixed rate mortgage where the loan amount exceeds $726,200. Available on primary or second homes.

WHEDA Fannie Mae Advantage

First-time home buyer program with low down payment options.

Investment Properties

For 1-4 units which are non-owner occupied.

Physician’s Loan

As a Physician, your financial situation is uncommon. The structure of traditional mortgages does not align with your financial story. For this reason Capitol Bank has created a mortgage program that flexes in the right places.

Construction Loans

During the construction of your new home you pay interest on the amount that is drawn. Refinance into permanent financing upon completion of your home.

Lot Loans

Purchase a lot to build on at a later date.

Home Equity Loans

Use the equity you have built up in your home for a variety of reasons like home improvement, debt consolidation, or vehicle purchases. These loans may be structured as a fixed rate loan with set payments or as a line of credit for more flexibility.

Personal Loans

Personal loans can be used for vehicle or other purchases. Learn more about personal loans here.

First Time Homebuyer

If it is your first time buying a home in the greater Dane County area, you’re at an advantage from a borrowing standpoint.


“With every customer I meet, my goal is to accommodate them with honesty, respect, and the personal service we all deserve.”

Cori has over twenty years of banking experience, joining Capitol Bank in 1996.

Cori’s area of expertise is residential lending. She also has experience in many other areas, including underwriting, loan processing, loan documentation, tellering, and personal banking. She is well qualified to meet your residential mortgage needs. Her clients receive only the highest level of customer service.

Cori Femrite

AVP / Mortgage Lending

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