Welcome

  • Welcome To Our Web Site. We Will Help You With ...

  • Purchasing A New Home...

  • Refinancing Your Current Mortgage Rate...

  • An FHA ,VA, or USDA Loan...

  • Whatever your home financing needs. We can help. Get Started. Apply Online Today...

  •  

Free Consultation

Complete this 30 second form to receive a no obligation consulation. We will analyze your situation and determine the best solution.

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Welcome To Capital City Financial Corporation   NMLS ID 2934

Your First Rate Mortgage Company

Capital City Financial Corporation proudly serves the Rhode Island, Massachusetts, and Connecticut communities. A strong and genuine belief in the "customer for life" principal of doing business is what fuels this company. Referrals from previous customers, real estate professionals, accountants, financial planners and attorneys have always delivered the majority of the Company's customers.



 

Purchase

We broker Conventional, Jumbo, FHA, VA, USDA Rural Housing as well as First Time Home Buyer Loan Programs.  Please feel free to call and schedule a complimentary consultation to determine which loan program is right for you.

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Refinance

We can assist you with determining what type of refinance works for you.  The refinancing possibilities may include:  lowering your mortgage interest rate, lowering your mortgage payment, shortening your mortgage term, cashing out the equity in your home for home improvements or providing funds for educational needs or consolidating other debt. 

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Find Your Payment*

Term Rate APR Payment
30 Year Fixed 3.875% 4.115%
20 Year Fixed 3.75% 3.965%
15 Year Fixed 2.875% 3.25%


*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.
"Rate and Annual Percentage Rate assume borrower paying Two Discount Points and Closing Costs, other assumptions also apply, please call for details"

Latest News

MBS MID-DAY: Tentatively Holding Gains After Morning Weakness

Posted To: MBS Commentary

It's generally been another uneventful day in the shadow of tomorrow's FOMC events. There just hasn't been anything on the calendar or any unscheduled market event that can compete with the big impact expected from tomorrow's Fed Announcement, forecasts, and press conference. As such, markets are "going through the motions" for lack of a better term. At current levels, this has been good for a bit of consolidation after hitting the weakest levels in months at the end of last week. Overnight Treasury trading was generally positive and 10yr yields were more than 3bps lower at the open. MBS were similarly in better shape with Fannie 3.5s up 7 ticks out of the gate. From there, however, bonds pulled back nearly to negative territory. They've since found their footing...(read more)

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Testimonials


What People Are Saying

"As first-time homebuyers, Capital City Financial Corp. was extremely informative throughout the purchasing process and presented mortgage options that specifically had our financial needs in mind. Not only were they a great team of professionals to work with but Capital City Financial Corp. really made our experience purchasing our first home fun, fast and smart."

Scott & Tina Snyder
First-time homebuyers - Lincoln, R.I.

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Licensed Loan Broker in the following states: Rhode Island (20021417LB), Massachusetts (MB2934) and Connecticut (11825 & 11826), NMLS ID 2934

We arrange but do not make loans