Home Mortgage

Home Loans

Conventional Fixed Rate Image

fixed-rate for predictable payments

A conventional fixed-rate mortgage guarantees the interest rate will remain the same over the life of the loan. This offers you the security of knowing the principal and interest portion of your monthly payment will not change. Interest rates remain low, making this a great time to purchase a home. Apply online and enjoy the ability to lock in a conventional rate while you shop.

Are you a first-time homebuyer?  Visit our home buying guide for the information you’ll need to navigate the process without difficulty. 

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An adjustable-rate Loan for A lower initial rate

An adjustable-rate mortgage (ARM) can be good for borrowers who plan to sell or refinance their home after the initial term ends. Typically, pay less interest over the life of your loan and save money.

Three, five or seven? They are all prime options.

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Conventional Adjustable Rate Image
Purchase Improvement Loan Image

Purchase + Improvement for unlimited potential

Buy the house you want and make improvements with one mortgage loan.  Simply submit your bids for the improvements at the time of the loan application, and we will appraise the house taking your bids for improvements into consideration.  This type of mortgage loan typically has lower monthly payments than regular improvement loans.

Buy it good.  Make it great.

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Construction-to-permanent for convenience

With Capitol Federal’s Construction-to-Permanent loan program, you can enjoy the convenience of one loan throughout the building process and life of the loan. Our loan costs are among the lowest in the industry with dependable local service and local servicing for the life of the loan. When building a home, this is the most convenient financing available.

One closing. One rate. One loan.

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Construction Loan Image
Home at Last Image

home-at-last for renting no more

Our Home-At-Last loan program is specially designed to meet the needs of low- to moderate-income homebuyers. We offer several financing options to fit your budget. If you qualify, there are no minimum loan amounts, you need very little down and you receive quick loan decisions. Plus, you'll always get the personal service that's a True Blue® tradition at Capitol Federal®. Additional program requirements apply.

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how much home can you afford?  

The loan amount, the interest rate, and the term of your home loan can have a dramatic effect on the total amount you will eventually pay for your home. Also, mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI).

Use our mortgage calculators to see the impact of these variables along with an amortization schedule.  In addition, calculate how much of a mortgage you may be able to obtain.

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Mortgage Calculator Image