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.
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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
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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.

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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. 

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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
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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
Learn More See Rates
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How to Protect your Business against Fraud with Positive Pay

Check and ACH fraud continue to be a persistent threat to financial institutions and their customers. Capitol Federal® remains committed to keeping our customers as safe as possible from fraudsters.
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Black History Month 2025 image with historical figures.
January 31, 2025

Celebrating Black History Month 2025

What began as a week-long event founded by Dr. Carter G. Woodson in February 1926, became an annual month-long celebration to highlight African American history and culture. Black History Month officially became recognized in the U.S. in 1976 when President Gerald Ford declared February as Black History Month.
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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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