• 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.

Best Time:
Zip Code:
Loan Type:

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.



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.

Read more


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. 

Read more

Find Your Payment*

Term Rate APR Payment
30 Year Fixed 3.5% 3.745%
20 Year Fixed 3.375% 3.615%
15 Year Fixed 2.75% 3.016%

*=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

CFPB Fires HMDA Warning Shots at 44 Lenders

Posted To: MND NewsWire

Consumer Financial Protection Bureau (CFPB) chief Richard Cordray announced on Thursday that his agency had issued warning letters regarding reporting under the Home Mortgage Disclosure Act (HMDA) to 44 financial institutions. The letters advised the companies, which included both mortgage lenders and mortgage brokers that they appear to be in violation of HMDA requirements. CFPB identified the 44 companies through a review of available bank and nonbank mortgage data. The letter reads in part, "While we have not made a determination that [Name of Company] is in violation of HMDA filing requirements, we urge you to review your practices to ensure that you comply with all relevant laws. You may find it helpful to review the text of HMDA, Regulation C, and CFPB guidance documents available on...(read more)

Forward this article via email:  Send a copy of this story to someone you know that may want to read it.



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.

Read more


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