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Mike Capps

Mortgage Banker, NMLS #88110
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1901 Hillandale Road Suite 101
Durham NC 27705
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(919) 929-2006

How can I help you achieve your goals?

As a Native Carolinian, Mike Capps serves the mortgage needs of his clients from the Mountains to the Coast. Or, as the natives say from “Murphy to Manteo”! Mike leverages his year of experience and industry knowledge to provide his customers with loan solutions to best meet their needs. He takes pride in providing excellent customer service and guiding his clients through the loan process so that on closing day, you not only gained a new home but a friend. Mike is a native of Garner, NC and attended UNC-Chapel Hill, giving him deep roots in the RTP community. He currently resides in Chapel Hill with his wife, Gretchen, and their three children. Mike proudly supports both Educators and Veterans as his beautiful wife is a local Kindergarten Teacher and his father served in the Military.


Construction-to-Permanent Loans
FHA Loans
Jumbo Loans
Medical Professional Loans
USDA Loans
VA Loans

Mortgage Calculators

The decision to refinance a home mortgage can involve many factors. You might want to take cash out of your home when you refinance to use for other purposes. But the most common purpose is to obtain a lower interest rate and lower monthly payments. In the latter case, the decision to refinance should be based on lowering the overall mortgage costs and breaking even on the refinance in a reasonable period of time.

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From finding a Mortgage Banker to welcoming your new Home, find out how the loan process works.

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Down Payment Assistance

We want to make homeownership dreams a reality.
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Down Payment Assistance Finder

Use Fannie Mae’s down payment assistance search tool to find programs for which you may qualify.
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Home Ownership Advice

Which Mortgage Loan is right for you?
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Your Success is Our Job

At Ameris Bank, we help turn your home buying dreams into reality! We also understand that there is no purchase more important, rewarding or exciting as a new home. We are dedicated to helping you through the process and keeping you updated with your loan status each step of the way. Ameris Bank Mortgage Services is backed by Ameris Bank, a strong and stable community bank built on relationship banking and customer service.
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