Your Home, Our Priority: Refinance and Purchase Mortgage Solutions

Low Interest Rates for Conventional, FHA, VA, Jumbo, USDA Mortgages, and Bank Statement Home Loans. 100% Mortgage Financing Available Now!

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Low Wholesale Mortgage Interest Rates!

Capital South Funding: A Full Service Mortgage Company

Your path to the best mortgage starts here.

Low Interest Rates and Personalized Service

Home financing tailored to your financial needs with WHOLESALE rates and friendly staff.

Expertise and an Easy Streamlined Process

After over 18 years, you can trust the company and the process.

Local Knowledge and Community Love

 As Carolinians, we have been proudly serving NC and SC residents for almost 20 years!

Ade and Deb

Local Ownership

Owners Adrian and Deborah Walker have proudly served the Carolinas with a personal touch and a passion for helping people. As a family-owned mortgage company, we treat every client like a neighbor—not a number. Our dedicated team works with you one-on-one to secure the mortgage option that best meets your needs. We believe in transparency, real conversations, and offering low, wholesale interest rates on home loans.

This is the best mortgage company we have ever had! They provide very low rates. I shopped them around first and they beat all the competition. They are friendly and... read more

Susan Baker Avatar Susan Baker

A rarity indeed.. an efficient business that works double time for their clients with lovely customer service. Adrian Walker and Deborah Walker are very easy to work with and deliver... read more

Alicia DeVries Avatar Alicia DeVries

Great rates, great customer service, and would refer to friends.

Sir Rx - Avatar Sir Rx -

Adrian and Deborah are such a great duo - no wonder they're married. Adrian was very quick in getting my mortgage process started, being both down to earth and thorough... read more

Sean Singer Avatar Sean Singer

Let us help you find the best mortgage.
Specializing in Jumbo Loans, Conventional, Bank Statement Loans, FHA, VA, USDA, and more!

Efficiency

We realize your time is valuable so we'll work hard behind the scenes, and won't bug you with numerous phone calls.

Clarity

We will guide you through each step of the loan process. You will get a human who cares about you and your home financing.

Value

Being a family-owned company with little overhead, we pass the savings onto you. We secure the best rate possible with the lowest fees available.

Pretty homes on suburban street

Turning Houses Into Homes with the Right Mortgage

Serving all of North Carolina, Alabama, and South Carolina, Capital South Funding is your low rate mortgage company. We are committed to providing competitive mortgage rates and a seamless loan experience. If you're a first-time homebuyer or a seasoned homeowner, our process is designed to be simple for refinances and purchases. 

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A Mortgage Company Near You

Offering our Southern Touch, we've got you covered, assisting all of North and South Carolina as well as Alabama! Complete our online mortgage application!

Jumbo Home Loans

Jumbo Mortgages with Competitive Rates and Low Down-Payments

USDA and FHA at 100% Financing

No down-payment FHA and USDA Mortgage, for NC, AL and SC Homes (Maps Available)

Conforming and Conventional Loans

Most loans fall into this category. Let us show you how we are the best for low rates!

Easy To Use Mortgage Calculator

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*All examples are hypothetical for illustrative purposes only. For the most accurate and personalized results, we encourage you to seek advice from one of our qualified financial professionals.