At CapWest, we approve and close loans in-house which gives us greater control over your transaction. Working within the guidelines, this flexibility allows us the opportunity to fund loans other lenders might deny in today's challenging regulatory market. We work hard to keep our expenses low by continually automating the process which means we can pass along the savings to you in the form of lower rates and lower fees. As an entrepreneurial company investing thoughtfully in our technology, we work every day to find opportunities to give you a great experience. Whether you need to pull equity out of your existing home, simply want to refinance your current loan, or if you are in the market for a new home, our team of skilled professionals are ready to provide you advice, guidance, and a path to financing your home. Equal Housing Lender. NMLS # 439822 ©2018 City Bank DBA CapWest Home Loans. All rights reserved. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law. Call for details.