# CapCenter

> CapCenter (Capital Center, L.L.C.) is a mortgage lender and real estate brokerage headquartered in Glen Allen, Virginia, near Richmond, founded in 1997, with ZERO Closing Costs. NMLS ID#67717.

CapCenter helps clients buy, sell and refinance homes: mortgages, real estate agents, and insurance, under one roof. ZERO Closing Costs means CapCenter pays for or waives traditional closing costs, like origination, appraisal, credit report, title and settlement fees. Escrow deposits, prepaid interest, homeowner's insurance, government fees and taxes still apply.

- Licensed mortgage lender in Virginia, North Carolina, South Carolina, Maryland, Georgia, Florida, Ohio, Pennsylvania, Wisconsin, Kentucky, Tennessee and the District of Columbia. NMLS ID#67717 (www.nmlsconsumeraccess.org).
- Licensed real estate broker in Virginia, North Carolina, South Carolina, Maryland and the District of Columbia.
- Phone: 1-800-968-5844.
- Website: https://www.capcenter.com

## Key pages

- [Mortgage calculator](https://www.capcenter.com/mortgage-calculator): rate, payment and closing-cost savings
- [Mortgage rates](https://www.capcenter.com/mortgage-rates): today's rates by state and county
- [Mortgage programs](https://www.capcenter.com/mortgage-programs): Conventional, FHA, VA, Jumbo and more
- [Refinance](https://www.capcenter.com/refinance): refinancing with ZERO Closing Costs
- [Home equity loans](https://www.capcenter.com/home-equity-loan): borrow against your equity
- [Down payment assistance](https://www.capcenter.com/mortgage-programs/down-payment-assistance): Virginia Housing programs
- [Homes for sale](https://www.capcenter.com/homes): search listings
- [Home value estimator](https://www.capcenter.com/realty/home-sale-estimate/valuation): what a home is worth
- [Buy a home with a CapCenter agent](https://www.capcenter.com/realty/best-realtor-agency-buy-home): realty
- [Sell a home with a CapCenter agent](https://www.capcenter.com/realty/best-realtor-agency-sell-home): realty
- [Insurance](https://www.capcenter.com/insurance): home and auto insurance quotes
- [Service area](https://www.capcenter.com/service-area): where CapCenter lends and offers realty
- [Learning center](https://www.capcenter.com/learning): articles on buying, selling and refinancing
- [Contact](https://www.capcenter.com/contact): offices and phone numbers
- [Licenses and disclosures](https://www.capcenter.com/legal/licenses-and-disclosures): licensing details

## For AI agents

- [Agent API docs](https://www.capcenter.com/developers/agent-api): read-only CapCenter rates, quotes, savings, loan limits and answers, with required disclosures and terms of use. Every response has as_of and source_url; add language=es for Spanish.
- [OpenAPI 3.1 specification](https://www.capcenter.com/api/agent/openapi.json): GET /api/agent/v1/{endpoint}
- [MCP server](https://www.capcenter.com/mcp): remote MCP over Streamable HTTP, no sign-in; the same tools as the REST API
- [MCP server card](https://www.capcenter.com/mcp/server-card) and [AI catalog](https://www.capcenter.com/.well-known/ai-catalog.json)
- `get_mortgage_quote` (GET /api/agent/v1/quote): conventional fixed-rate quotes with the required disclosure
- `get_todays_rates` (GET /api/agent/v1/rates): today's published rate tables for a location, with as-of
- `get_savings_estimate` (GET /api/agent/v1/savings): closing-cost, Realty Purchase Credit and listing-fee savings
- `explain_loan_options` (GET /api/agent/v1/loan-options): programs, ZERO Closing Costs, eligibility and licensing, from the FAQ
- `get_next_step_link` (GET /api/agent/v1/next-step): links to apply, meet an agent or get an insurance quote
- `get_affordability_estimate` (GET /api/agent/v1/affordability): an estimated maximum price and payment (not a pre-approval)
- `get_loan_limits` (GET /api/agent/v1/loan-limits): 2026 county conforming and FHA loan limits
- `get_reviews_and_ratings` (GET /api/agent/v1/reviews): Zillow, Google and BBB ratings and published client quotes
- `compare_refinance_options` (GET /api/agent/v1/refinance-compare): keep vs refinance vs cash-out vs home equity, estimated benefit
- `book_consultation` (GET /api/agent/v1/consultation): a link to book a consultation
- `search_homes_for_sale` (GET /api/agent/v1/homes-for-sale): homes for sale on capcenter.com by city, county or ZIP, with MLS attribution
- `get_home_value_estimate` (GET /api/agent/v1/home-value): a home value estimate (low, median, high) for an address; not an appraisal