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 RECAP: Bond Markets Brace For Impact, But Able to Blast Off Instead

Posted To: MBS Commentary

Fannie 3.5 MBS are heading out the door nearly half a point better at 102-09. 10yr yields are down 6bps at 2.498. While they didn't quite make it to the 2.47 technical level, the move from 2.57 yesterday to 2.48 at today's lows is close enough for government work. The other option in the event of a sell-off was to move up to the 2.66 technical level. For a while this morning, it looked like that might be a risk . 10yr yields were as high as 2.5907 before NFP came out weaker than expected. Even after the data helped bond markets recover, they didn't seem all too convinced and twice returned to nearly unchanged levels by 10am. From that point on, however, rates improved steadily and forcefully into the European close. European markets continue to drag US rates lower than they otherwise...(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