--- title: Learning Center | Mortgages (2) description: "Mortgages | CapCenter offers a number of products designed to help all borrowers get the home they want.\n\nWe are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space. (2)" image: https://blog.capcenter.com/hubfs/Logo.png --- [Skip to the main content.](https://blog.capcenter.com/learning-center/tag/mortgages/page/2#main-content) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - Refinance Mortgages - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) - Mortgage Services - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Auto Insurance](https://www.capcenter.com/learning/insurance/car-insurance) - Life Insurance - [Term Life Insurance](https://www.capcenter.com/learning/insurance/life-insurance) - Getting Started - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) - Learning - Mortgage Programs - [Conventional Mortgages](https://www.capcenter.com/learning/mortgages/conventional-mortgages) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) [![Apply Now](https://no-cache.hubspot.com/cta/default/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde.png)](https://cta-redirect.hubspot.com/cta/redirect/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde) Toggle Menu Toggle Menu [![Apply Now](https://no-cache.hubspot.com/cta/default/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde.png)](https://cta-redirect.hubspot.com/cta/redirect/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - Refinance Mortgages - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) - Mortgage Services - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Auto Insurance](https://www.capcenter.com/learning/insurance/car-insurance) - Life Insurance - [Term Life Insurance](https://www.capcenter.com/learning/insurance/life-insurance) - Getting Started - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) - Learning - Mortgage Programs - [Conventional Mortgages](https://www.capcenter.com/learning/mortgages/conventional-mortgages) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) ##### **Purchase Mortgages** - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) ##### **Refinance Mortgages** - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) ##### **Mortgage Services** - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) ##### **Getting Started** - [Get Pre-Approved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) ##### **Purchase Services** - [Recently Listed Homes](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) ##### **Listing Services** - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6067,37.4691,-77.3368,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) ##### **Realty Services** - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - [Realty Purchase Services](https://www.capcenter.com/best-realtor-buy-home) ##### **Getting Started** - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) ##### **Property & Casualty** - [Homeowners](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Automobile](https://www.capcenter.com/learning/insurance/car-insurance) ##### **Life Insurance** - [Term Life](https://www.capcenter.com/learning/insurance/life-insurance) ##### **Getting Started** - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) ##### **Mortgage Programs** - [Conventional Mortgages](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ##### **Common Questions** - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a pre-approval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) ##### **Resource Center** - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) ##### **Guides** - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 # Learning Center   --- **Shed the confusion with our featured Mortgage, Real Estate and Insurance articles** CapCenter offers a number of products designed to help all borrowers get the home they want. We are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space. ![LEARN](https://blog.capcenter.com/hubfs/LEARN.png "LEARN") ![Happy Family Looking At A Computer On A Couch](https://blog.capcenter.com/hubfs/test-image.jpg "Happy Family Looking At A Computer On A Couch") ### Mortgages (2) [![Man with hands behind head relaxed looking at laptop](https://blog.capcenter.com/hs-fs/hubfs/Homeownersinsurance.png?width=1748&height=915&name=Homeownersinsurance.png)](https://blog.capcenter.com/learning-center/homeowners-insurance) 2 min read #### [Homeowners Insurance](https://blog.capcenter.com/learning-center/homeowners-insurance) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 14, 2023, 3:15:35 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Insurance](https://blog.capcenter.com/learning-center/tag/insurance) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/homeowners-insurance) [![A picture of a weighing machine weighing debt verse income for a mortgage borrower](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/shutterstock_1293468232-1500x630.jpg?width=1500&height=630&name=shutterstock_1293468232-1500x630.jpg)](https://blog.capcenter.com/learning-center/what-is-a-debt-to-income-ratio) 3 min read #### [What is a debt-to-income ratio?](https://blog.capcenter.com/learning-center/what-is-a-debt-to-income-ratio) ![Picture of Erik Bleecher](https://blog.capcenter.com/hs-fs/hubfs/Erik%20Bleecher%20Photo.jpg?width=30&name=Erik%20Bleecher%20Photo.jpg) [Erik Bleecher](https://blog.capcenter.com/learning-center/author/erik-bleecher): Apr 14, 2023, 11:54:36 AM [Closing Costs](https://blog.capcenter.com/learning-center/tag/closing-costs) [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/what-is-a-debt-to-income-ratio) [![father how much mortgage payment he can afford when buying his home](https://blog.capcenter.com/hs-fs/hubfs/whatcaniafford.png?width=1748&height=915&name=whatcaniafford.png)](https://blog.capcenter.com/learning-center/how-much-can-i-afford) 2 min read #### [How much can I afford?](https://blog.capcenter.com/learning-center/how-much-can-i-afford) ![Picture of Jimmy Mouser](https://blog.capcenter.com/hs-fs/hubfs/Jimmy%20Mouser%20Profile%20Picture.jpg?width=30&name=Jimmy%20Mouser%20Profile%20Picture.jpg) [Jimmy Mouser](https://blog.capcenter.com/learning-center/author/jimmy-mouser): Apr 13, 2023, 12:05:31 PM [Closing Costs](https://blog.capcenter.com/learning-center/tag/closing-costs) [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/how-much-can-i-afford) [![A balancing act deciding on the mortgage](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/shutterstock_1341542321-705x332.jpg?width=705&height=332&name=shutterstock_1341542321-705x332.jpg)](https://blog.capcenter.com/learning-center/understanding-adjustable-rate-mortgages) 3 min read #### [Understanding Adjustable Rate Mortgages (ARMs)](https://blog.capcenter.com/learning-center/understanding-adjustable-rate-mortgages) ![Picture of James Anderson](https://blog.capcenter.com/hs-fs/hubfs/James%20Anderson%20Portrait.png?width=30&name=James%20Anderson%20Portrait.png) [James Anderson](https://blog.capcenter.com/learning-center/author/james-anderson): Apr 13, 2023, 11:53:17 AM [Closing Costs](https://blog.capcenter.com/learning-center/tag/closing-costs) [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Read More](https://blog.capcenter.com/learning-center/understanding-adjustable-rate-mortgages) [![couple walking their dog down the street](https://blog.capcenter.com/hs-fs/hubfs/What%20is%20an%20hoa-1.jpg?width=2160&height=1176&name=What%20is%20an%20hoa-1.jpg)](https://blog.capcenter.com/learning-center/what-is-a-homeowners-association) 4 min read #### [What is a Homeowners Association?](https://blog.capcenter.com/learning-center/what-is-a-homeowners-association) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023, 3:30:34 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/what-is-a-homeowners-association) [![looking down row of townhomes](https://blog.capcenter.com/hs-fs/hubfs/condo%20vs%20townhouse.jpg?width=2160&height=1202&name=condo%20vs%20townhouse.jpg)](https://blog.capcenter.com/learning-center/condo-vs-townhouse) 5 min read #### [Condo vs. Townhouse](https://blog.capcenter.com/learning-center/condo-vs-townhouse) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023, 3:18:50 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/condo-vs-townhouse) [![Woman using level to mark location of shelf on wall](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63e56a67ab4446b6cab3853a_Best%20ROI%20Home%20Improvement.jpg?width=2160&height=1088&name=63e56a67ab4446b6cab3853a_Best%20ROI%20Home%20Improvement.jpg)](https://blog.capcenter.com/learning-center/best-roi-home-upgrades) 7 min read #### [Best ROI Home Upgrades](https://blog.capcenter.com/learning-center/best-roi-home-upgrades) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023, 12:57:21 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [Cash-Out Refinance](https://blog.capcenter.com/learning-center/tag/cash-out-refinance) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home Equity](https://blog.capcenter.com/learning-center/tag/home-equity) [Read More](https://blog.capcenter.com/learning-center/best-roi-home-upgrades) [![Happy family running into a home purchased with a conventional mortgage](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63b6f6e2fb6825d9e088e9e9_Conventional%20Mortgage%20Types-p-500.jpg?width=500&height=334&name=63b6f6e2fb6825d9e088e9e9_Conventional%20Mortgage%20Types-p-500.jpg)](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) 5 min read #### [Conventional Mortgage Programs](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023, 11:17:26 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) [![Happy couple drinking coffee talking about VA loan programs for buying their dream home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg?width=800&height=512&name=63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg)](https://blog.capcenter.com/learning-center/va-loan-programs) 3 min read #### [VA Loan Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023, 9:57:28 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/va-loan-programs) [![Happy couple drinking coffee talking about fha loan programs for buying their dream home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg?width=800&height=512&name=63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg)](https://blog.capcenter.com/learning-center/fha-loan-programs) 2 min read #### [FHA Loan Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023, 9:48:20 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/fha-loan-programs) [Prev](https://blog.capcenter.com/learning-center/tag/mortgages/page/1) [1](https://blog.capcenter.com/learning-center/tag/mortgages/page/1) [2](https://blog.capcenter.com/learning-center/tag/mortgages/page/2) [3](https://blog.capcenter.com/learning-center/tag/mortgages/page/3) [4](https://blog.capcenter.com/learning-center/tag/mortgages/page/4) [Next](https://blog.capcenter.com/learning-center/tag/mortgages/page/3) #### **Take The First Step Today** #### Get Pre-approved For A Zero Closing Cost Loan Competitive Interest Rate Mortgages With Traditional Closing Costs Covered [Apply Now](https://www.capcenter.com/apply-now/) ![Woman smiling and thinking at a laptop](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63c9717794ae137bdc0a155d_1-0%20Rate%20Buy%20Down-p-1080.jpg) #### Speak With An Expert Real Estate Agent Today Work With A Top Local Real Estate Agent To Buy Or Sell Your Next Home [Request Consultation](https://www.capcenter.com/forms/request-buyers-agent) ![Happy Family Running Into a New Home](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/home-buyer-guide-hero-img.51dac7c3a4e307904c30.jpg) ##### Mortgage Mortgage - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/virginia/richmond/purchase/conventional) - [Mortgage Programs](https://www.capcenter.com/mortgage-programs) - [Mortgage Calculator](https://www.capcenter.com/mortgage-calculator/purchase/conventional) ##### Realty Realty - [Buy a Home](https://www.capcenter.com/realty/best-realtor-agency-buy-home) - [Sell a Home](https://www.capcenter.com/realty/best-realtor-agency-sell-home) - [Home Value Estimate](https://www.capcenter.com/realty/home-sale-estimate/valuation) ##### Get Started Get Started - [Apply Now](https://www.capcenter.com/central/client/apply) - [Search Homes](https://www.capcenter.com/homes/location/geo/) - [Contact Us](https://www.capcenter.com/contact) [![CapCenter Orange White MEDIUM](https://blog.capcenter.com/hubfs/CapCenter%20Orange%20White%20MEDIUM.png)](https://www.capcenter.com/) - [Terms of Use](https://www.capcenter.com/legal/terms-of-use) - [Privacy Policy](https://www.capcenter.com/legal/privacy) - [Product Offer Details](https://www.capcenter.com/legal/product-offer-details) - [Licenses & Disclosures](https://www.capcenter.com/legal/licenses-and-disclosures) © 2026 CapCenter - Why pay closing costs if you don't have to? CapCenter is your local provider of mortgage & realty services. Zero Closing Costs, Zero Hassles. Licensed in VA, DC, MD, NC, SC, GA, FL, PA, OH, KY, WI, and TN. CapCenter is a top-rated real estate services provider and zero closing costs mortgage lender headquartered in Glen Allen, Virginia near Richmond, Virginia.   Capital Center, L.L.C. Licensed mortgage lender in Virginia, North Carolina, South Carolina, Maryland, Georgia, Florida, Ohio, Pennsylvania, Kentucky, Wisconsin, Tennessee, and the District of Columbia NMLS ID#67717 ([www.nmlsconsumeraccess.org](https://www.nmlsconsumeraccess.org/)) and a licensed real estate broker in Virginia, North Carolina, South Carolina, Maryland, and the District of Columbia. Our primary office is located in Glen Allen, Virginia near Richmond, Virginia.   Copyright ©2026 Capital Center, L.L.C. dba CapCenter    ![Realtor | EHO](https://blog.capcenter.com/hs-fs/hubfs/Disclosure%20Logos.png?width=72&height=35&name=Disclosure%20Logos.png)