Capital City Bank is one of the largest banks and consumer lenders based in Florida.  The bank offers a wide array of borrowing options for consumers looking to buy a new home, vacation home, rental home or refinance on an existing home loan for borrowers that want to take advantage of the record low borrowing rates available in the Sunshine State.

Borrowing costs have plummeted for home loan borrowers as 2011 draws to a close and Capital City Bank provides loans that can combine low rates and low fees for a number of loan programs.  The assortment of mortgage loan options available at Capital City Bank includes fixed rate mortgages and adjustable rate mortgages, construction to permanent loans, jumbo mortgages and VA and FHA loans. 

Consumers searching for new funds to borrow for a home purchase or refinance need to evaluate several aspects of the new loan as well as the mortgage lenders and the mortgage interest rates.  Some of the benefits with Capital City Bank extend beyond the myriad of financing options, as a locally owned bank mortgage lender, local underwriting and local service is available to all loan customers which greatly facilitate the loan application and loan approval process.

Local service means better understanding of home appraisals, costs of homeownership and optimal loan programs such as FHA loans.  For first time home buyers, an FHA loan has become one of the most popular types of financing due to the low down payment requirements and flexible qualifying guidelines.  Capital City Bank offers very competitive rates on FHA loans in addition to VA loans for borrowers who qualify for these programs.

A sample of mortgage loans and mortgage rates available from Capital City Bank includes the following rates and terms on a $250,000 loan request in Flagler County:

A 30 year fixed rate mortgage is available at 4.000% with no points and an APR of 4.033%. 

A 15 year mortgage from the bank can be obtained with a mortgage rate of 3.375% with no points and a 3.433% APR.

The 30 year FHA mortgage has an interest rate of 3.750%, zero points and a 4.268% APR.

A jumbo loan in Florida from Capital City Bank can be had at an interest rate of 5.000% and 0.250 points with an APR of 5.036%.

Additional mortgage terms and mortgage rate options are available to Florida home loan borrowers.  Note, the mortgage interest rates for Florida mortgages and the loan fees listed are available to borrowers with excellent credit history with a 20% down payment on a single family purchase.  Florida mortgage rates and terms offered by Capital City Bank are subject to change at any time.  The actual mortgage rate and fees available may vary based on the borrower’s credit, income, down payment amount, geographic location in addition to other loan factors.

Before choosing your next mortgage loan, research the current mortgage rates, the terms and service from various mortgage lenders and your needs before applying.  Spending a little extra time to learn the requirements to obtain a mortgage loan and comparing the best terms and rates that match your financial situation can lead to big savings and peace of mind. 

To discuss mortgage loan rate and terms available from Capital City Bank, a customer service representative can be reached at 1.800.245.7194, Monday-Friday 8:00am-5:00pm EST.

Mortgage loan applications can also be completed online at the bank website,

Capital City Bank was established in 1895 and provides a full range of banking services, including traditional deposit and credit services, asset management, trust, mortgage banking, merchant services, bankcards, data processing and securities brokerage services.  Along with branch locations in Florida, Capital City Bank also operates branches in Georgia and Alabama.

To see current mortgage rates and mortgage loans offered from the top bank mortgage lenders see: 30 year mortgage rates, 15 year mortgage rates, 20 year mortgage rates, 10 year mortgage rates, FHA mortgage rates and jumbo mortgage rates.

To view current Florida mortgage rates and terms for 30 year home loans see Florida mortgage rates.

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