APRs are a valuable tool to consider as part of your mortgage shopping process. However, it should not be the only factor you consider because a lender can lower the APR by adding more upfront costs to the buyer.
While APRs can be a good comparison when only comparing rates, terms, and lender fees, our APRs do not reflect CapCenter's full savings because CapCenter waives or reduces many fees that are not typically calculated in the APR. We also showcase our base rates with low or zero closing costs while other lenders showcase rates with discount points. When choosing a lender, we recommend a comprehensive comparison that includes non-lender closing costs for a more holistic comparison.
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