Capital One

Capital One was founded in 1995, and serves the United States, Canada, and the united Kingdom.  They were a pioneer in the movement of mass marketing for credit cards in the 1990’s.

Capital One takes their role as a corporate citizen seriously.  They claim that their basic principal is “Do the Right Thing.”  They embrace diversity, strive to revitalize the social and economic well being of the community, support children and families, provide a financial education program to make people financially informed.  Capital One is ranked at 58 on Standard and Poor’s 500, and ranked fourth in Fortune’s “America’s Most Admired Company” in consumer credit.  They have recently partnered with America’s promise, a group that founded by Colin Powell that recognizes the “100 Best Communities for young people.”

Captial One Mortgage Loan Options

Capital One offers a variety of loans, including loans for home purchase.  They are proud to note that a borrower can apply for a loan online or by phone and can receive an approval in as little as thirty minutes.  They send the paperwork to your home or office by next day delivery and as soon as you sign and notarize it, you can close your mortgage in ten days or less.

Capital One offers many home mortgages, but they highly recommend their Fixed Rate Mortgages and Adjustable Rate Mortgages.  For Fixed Rate Mortgages they offer the standard thirty, twenty-five, twenty, fifteen and ten year terms.  They have minimal to no down payment mortgages for Fixed Rate and Adjustable Rate Mortgages.  For people who want to avoid paying mortgage insurance and can put five to ten percent down, they offer the Home Equity Line of Credit, and for people looking for a loan between $359,650 and two million dollars, they have jumbo loans.  They also have an excellent debt consolidation loan that allows borrowers to borrow up to 125% of their home value.  All of their home loans have low credit score options available.

Fun Facts about Capital One

In February 2005, Capital One acquired Kansas based eSmartLoan.

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