Mortgages and Loans

At Capitol Federal®, we offer a comprehensive range of mortgage and loan solutions tailored to meet your financial needs. Whether you're looking to buy a new home, refinance your existing mortgage, or secure a personal loan, our competitive rates and flexible terms are designed to help you achieve your goals.

Financing For You

Check out these featured loan products, including home mortgage loans, home equity loans, vehicle loans, personal loans and more.

Find the Right Loan for Your New Home

As a recognized leader in residential lending, we offer a wide range of mortgage solutions designed to meet the needs of every homebuyer. Whether you're purchasing your first home or refinancing an existing mortgage, our experienced loan professionals are dedicated to helping you achieve your homeownership goals. 

Find a solution that works for you:

  • Conventional Fixed-Rate Mortgage Loan
  • Adjustable-Rate Mortgage Loan
  • Purchase + Improvement Loan
  • Construction Loan
  • Home-at-Last Loan
  • VA Loans

Refinance with CapFed®

Use refinancing to fund home improvements, consolidate debt, pay for college, or make large purchases. Learn why you should choose Capitol Federal® for your refinance needs.

Personal Loans with Quilo™

A loan for what you want, when you want. Quick access to funds for unexpected expenses. Using the Quilo app, you can apply when and where you want, getting a decision within minutes and funding soon after. 

Savings Deposit Loan

Tap into the value of your Capitol Federal® CD or Savings account with a low-interest loan. Whether you need funds for a purchase or an unexpected expense, our Savings Deposit Loan offers competitive rates and flexible payment options.

  • Competitive Rates
  • Flexible Payments
  • 100% Financing
  • Automatic Payments

Unsecured Line of Credit (Overdraft Protection)

Whether it's home improvements, unexpected expenses like a broken water heater, or simply safeguarding against overdrafts, our Unsecured Line of Credit provides peace of mind without requiring collateral.

  • No Collateral Required
  • Overdraft Protection
  • No Application Fee
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January 08, 2025

Text Scam January 2025

Please be aware of scammers impersonating text alerts claiming to come from Capitol Federal®.
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John B. Dicus Chief Executive Officer headshot

Chairman's Desk - Winter 2024

As we approach the end of another year, it is good to take a moment to reflect on the past year we’ve shared together. As the rush of the holiday season begins, this time of year is a great opportunity to acknowledge the accomplishments of the closing year and look forward to the next. This past year was particularly exciting for Capitol Federal®.
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Scam text on phone screen.
November 18, 2024

Text Scam November 2024

Please be aware of scammers spoofing our phone number and impersonating Capitol Federal® employees.
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