Advertising Disclosures

Last Updated: February 21, 2025

General Mortgage Disclosures

Capital Residential Mortgage (crmortgage.com) is a licensed mortgage lender, NMLS ID 1882064. Not all products and loan programs are available in all states. Interest rates and terms are subject to change without notice. All loans are subject to credit approval and program guidelines. This is not a commitment to lend.

Equal Housing Opportunity

Capital Residential Mortgage is an Equal Housing Opportunity lender. We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin in the provision of residential real estate-related transactions.

APR and Interest Rate Information

The Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. The actual rate available to you will depend upon many factors including credit history, loan amount, down payment, and property location.

Rate Lock Policy

Interest rates and annual percentage rates (APRs) displayed are subject to change without notice. A rate lock agreement is required to guarantee the rate. The rate lock period will affect your rate. Please contact us for current rates and lock periods.

Special Offers and Promotions

All promotional rates and offers are subject to change without notice. Special offers may not be combined with other discounts or promotions. Minimum credit score and other qualifications apply. Contact us for complete details about credit costs and terms.

Down Payment and Private Mortgage Insurance

For conventional loans, a minimum down payment of 3% to 20% may be required. Private Mortgage Insurance (PMI) may be required for loans with less than a 20% down payment.

Third-Party Fees

Additional fees may apply including but not limited to: appraisal fees, title insurance, recording fees, tax service fees, flood certification fees, and other third-party fees. These fees are not included in advertised rates and may vary by state and transaction.

Government Program Disclosures

FHA loans require a minimum 3.5% down payment and mortgage insurance premium. VA loans require VA funding fee which may be financed. USDA loans require an upfront guarantee fee and an annual fee.

Digital Communication

By submitting information through our website or responding to our advertisements, you agree to receive communications from us via email, text, or phone. Standard text messaging and data rates may apply. You may opt out of these communications at any time.

Licensing Information

For our complete licensing information and state disclosures, visit NMLS Consumer Access: www.nmlsconsumeraccess.org

Contact Information

For questions about our advertising disclosures:
Capital Residential Mortgage, LLC
Privacy Department
1604 Spring Hill RD, Suite 160, Vienna, VA 22182
Email: info@crmortgage.com
Phone: +1 571-567-7581
NMLS ID: 1882064