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Capaha Arrowhead IconPersonal Loans

Capaha Bank is here to meet all your home loan needs.

Buying or building a home can be both exciting and challenging. The opportunity to showcase your own sense of style and design, as well as creating a comfortable environment for you and your family, is important. Our professional mortgage lenders are ready to help you today!

Hand in hand with building or buying a new home comes a myriad of important financial decisions to be made. Capaha Bank makes the financial part of the process easier and more convenient by providing friendly, professional service and a knowledgeable staff who are familiar with the local market and all available mortgage products.

If you already own your home, this may be the perfect time to refinance while interest rates are at historical lows. Taking advantage of lower interest rates is also a smart way to make the equity in your home work for you.

So whether you need to purchase a lot, arrange an interim construction loan, secure a permanent mortgage loan, or all three – Capaha Bank can meet all of your home loan needs.

  • Local loan processing
  • Free pre-qualifications
  • Up to 100% financing available (without Private Mortgage Insurance)
  • Fixed and adjustable rate options
  • Ask about our flexible terms
  • All credit situations encouraged to apply
  • Lot and construction loans with interest only feature

Visit our Mortgage Center to take the first step toward building, purchasing, or refinancing your dream home!

A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because your home is likely to be your largest asset, many homeowners use their credit lines for major items such as medical bills, education, or home improvements. You may also use your line of credit for those things you”ve always dreamed of: a deserved vacation, a new car, a family computer – the choice is yours. In many instances the interest you pay may be tax-deductible.

Capaha Bank Makes Access Simple And Easy…With Equity Checks

So, Just how simple and easy is access to your Home Equity Credit Line? Very!
It”s really a loan you make to yourself…with no additional loan application to fill out and no fuss or hassle. All you do is write a check out of your Home Equity Credit Line for purchase or cash. Now what could be simpler than that?

Home Equity Highlights

Capaha Bank offers home equity lines of credit that may enable
you to borrow up to 80% of the available equity in your home. Our lines of credit offer you:

  • Simple Repayment Terms
  • No Closing Costs
  • No annual fees
  • Free checks
  • Convenience
  • Potential tax advantage
home

How Much Can You Borrow?

Capaha Bank Prime Plus 1.0%

Our Prime Plus 1.0% may allow you to borrow up to 80% of the appraised value of your home, less any outstanding mortgage balance.

For Example:

Home Equity Lines Prime Plus 1.0%
Appraised value of home $100,000
Percentage multiplied x 80%
Percentage of appraised value $80,000
Less mortgage balance – $60,000
Available Credit Line $20,000
In determining your actual credit line, we will consider your ability to repay by looking at your income, debts, credit history, and other financial obligations. Loan terms may vary depending upon loan amount and may be subject to a rate floor and require a minimum payment amount. The minimum credit limit available is $10,000.

Contact us today to see how our Home Equity Lines Of Credit are –

“A Better Brand of Banking…!”

At Capaha Bank, we have loans to fit your lifestyle. Want to fix up your home, consolidate bills, purchase a new (or newer) car or maybe just take a great vacation? Flexible terms, competitive rates and friendly local service make it easy and cost effective to finance your next purchase through Capaha Bank.

  • Fast local decisions
  • Affordable monthly payments
  • Competitive rates and excellent terms
  • Discount of .25% with automatic payment deduction from your Capaha Bank account
  • Personal, professional service
  • Credit Life and Disability Insurance available to protect payments in the event of death or disability for just pennies a day

Vehicle Loans

Whether you are in the market for a new car or simply a newer model, Capaha Bank can help you buy the vehicle you want with a payment you can afford.  To find out what your current vehicle is worth, visit http://www.nadaguides.com.

Recreational Vehicle Loans

Whether it”s boating on the lake or driving cross-country in a motor home, Capaha Bank can help you enjoy the good life with a recreational vehicle loan. Affordable terms and personal service make it easy!  Find the value of some recreational vehicles at http://www.nadaguides.com/.

Other Personal Loans

Capaha Bank can structure a secured or unsecured loan for almost any situation. Call or stop by today!

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