When obtaining a mortgage, you want to find a reliable company that can meet your mortgage needs. The company needs to be trustworthy and reputable. It is important to research lenders to find the best mortgage rates available. Capital One Financial mortgage rates are competitive among other loan providers.

In addition, Capital One Financial offers home loans at competitive rates. The bank offers fixed-rate or adjustable rate loans to people all over the world.

Richard Fairbank founded Capital One in 1988. The company’s home office is in McLean, Virginia. It is now one of the most popular lenders in the country. In fact, Capital One has acclaimed numerous awards throughout the years. Capital One Financial mortgage rates are currently low, so now is a great time to purchase or refinance a home from Capital One.

Capital One Financial Current Mortgage Rates

The Capital One website is easy to navigate and will show you the current Capital One rates. You can access the mortgage rates on their mortgage rates site.

Type of Mortgage Rate Interest Rate APR (Annual Percentage Rate) Estimated Monthly Payment Amount
15-year fixed 3.500% 3.606% $1787
30-year fixed 4.125% 4.217% $1211
5/1 ARM 3.250% 3.792% $1088
7/1 ARM 3.500% 3.824%   $1122

*** The Capital One rates, fees, and terms are subject to change without notice, so look at the bank’s website for the latest information about mortgage rates.

With a fixed-rate loan, your rate will not change throughout the life of the loan. If you obtain a low rate, this might be a good option. It will also help you with budgeting.

If your rate is high or you plan on staying in the home for a short period of time, you might choose an adjustable rate mortgage. With this loan, your rate will fluctuate depending on the market. You want to make sure you can continue to make payments if your rate increases.

Capital One Financial Mortgage Rates Additional Information

You can get pre-qualified for an adjustable rate mortgage or a fixed-rate mortgage online. The Capital One 30-year mortgage rates, 20-year mortgage rates, and 15-year mortgage rates are low, so you might want to act now. Keep in mind that mortgage rate trends can be unpredictable, so always look for the best home mortgage rates.

Refinance mortgage rates are also low with Capital One, and you can purchase mortgage rates. If you need a larger mortgage, you can obtain a jumbo loan. Jumbo mortgage rates are competitive with Capital One.

It is a good idea to use a payment calculator to determine your payment amount. You can find a calculator on their website.

Furthermore, you can pre-qualify for a Capital One loan within minutes online. However, the company would like you to have a credit score of at least 660. Also, you need to have a satisfactory debt-to-income ratio. You also need a steady source of employment.

The Capital One Financial mortgage rates will allow you the privilege of home ownership. Remember that, before you apply, you will want to gather documents such as tax returns, bank statements and pay stubs. After you are approved with a low mortgage rate, you can close on the home, and you will own the home!