Capital Bank Home Loans

(Translated by Google) Scam (Original) Estafa
Jun 20th, 2023

It was a pleasure working with laurel and the Capital Bank team. Laurel answered all the questions we had and responded quickly when we needed her, she worked hard to help us close our deal quickly. We greatly appreciate her and her efforts.
Apr 21st, 2023

THE BEST!! I did not have a realtor ans the ladies at Capitol Bank walked me through every step! They were always friendly and never mad me feel like my ignorance was ignorant with all of tye questions. I highly recommend them especially Lola, she's #1 if can't no idea else do it SHE CAN and also Ema and Jenny. Can't say enough about them they ROCK!
Apr 8th, 2023

I always recommend this company for first-time homebuyers. They are knowledgeable, communicative and thorough.
Mar 7th, 2023

I'm sure many of the five star reviews for this bank are fake because this is the worst bank I've ever done business with. I had a contract to sell my condominium with a buyer that had financing approval from this bank. This bank was the sole reason the contract was cancelled, they are liars and scammers!!! I've never had issues with the appraisal process before but I did with this bank and it was completely the bank's fault. The appraisal for my property came in $30k lower than the contract price which was bad enough. However, the underwriter then decided to dispute the appraisal, which is normal when the value comes in lower than the contract price. Usually, it's to try to increase the value in the appraisal to get it closer to the contract price, so the buyer can buy the property with the majority of the bank financing and not have to makeup the gap with cash out of pocket. However, this particular underwriter told the appraiser to lower the value another $30k to match another property that recently sold and to ignore the other properties that were similar that sold higher. The second appraisal lowered the value of property $60k than the contract price!!!! They clearly were trying to manipulate the appraisal process to reduce the value of my property, possibly to flip it down the road?!?!? Anyway it was insane to think I would agree to reduce the price by $60k, any underwriter should know that that decision would kill the sales contract, because a seller would be insane to accept that, but they tried to do it, such scammers!!! Of course I disputed the second appraisal, I honestly tried to meet them half way and told them to use the first appraisal instead, but they said they couldn't...such liars!!!! The loan officer then consistently lied to me and told me the appraiser botched the appraisal but it wasn't true. She even said they blacklisted the appraiser!?!? Also, she lied and told me it wasn't the bank that disputed the appraisal but a separate appraisal office outside of the bank, when in fact it was the bank. They have another profile on yelp with a much lower rating. Avoid this bank like the plague, they are liars and scammers!!!
Feb 24th, 2023