Consumer Lending Solutions

New Home Loan or Refinance

Buying a home can be made easier when you have a banker you trust and flexible options to choose from.  Our bankers will meet with you face to face to discuss your mortgage lending needs and answer any questions you have about the process.  As a premier partner of Quicken Loans Mortgage Services, we have the benefit of being able to offer a full suite of mortgage options. 

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a great way to make your home’s equity work for you on an as needed basis.  Whether you are looking to improve your home, pay for your child’s college tuition, or simply need funds to pay for an unplanned personal expense, a home equity line of credit may be the answer. 

 Now offering a special rate of 5.00%1 until October 31, 2018

No Origination Costs2
10 Years Interest-Only Payments3
Local Decision Making

Call (831) 264-4000 or email helocs@1stcapitalbank.com to learn more or start your application.

1With auto pay from a 1st Capital Bank deposit account, otherwise 5.50%APR. Variable rate with a maximum 15.00%APR. Annual fee $75. 2After October 31, 2018 new applicants may pay Title, Endorsement, and Appraisal fees (total $300-2,500), which may be financed. 3Interest only payments during first 10 years, then 20 years of principal + interest payments fully amortized. As of 8/1/18.

Loans subject to credit approval.

Explore Your Digital Toolbox

Find the tool that's right for you. With convenient options like Online Banking, Mobile Banking and Deposit, Bill Pay and Person to Person Payments, you can manage your accounts whenever and wherever you'd like.

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