Home Equity Loan

put your home to work for you

What would you do if you could use the equity in your house for purchases?  Home improvements, debt consolidation, a new car?  It’s up to you.  You can even get a Capitol Federal® Home Equity Loan no matter where you have your first mortgage. You'll enjoy a low rate, the interest is usually tax-deductible*, and your loan always stays with us.

*Please consult your tax advisor regarding the deductibility of interest.

conventional home equity

A traditional home equity loan from Capitol Federal offers:

  • A fixed-rate
  • A fixed-term
  • Up to 95% of the current market value of your home, less any outstanding mortgage balance (subject to program maximum loan amount)
For example: Assuming a $25,000 loan, 80% Loan-to-Value (LTV) loan and an APR of 5.750% (effective as of January 1, 2017), you would be required to make 240 monthly payments of approximately $174.

home equity for home improvement

A Home Improvement Loan** from Capitol Federal offers:

  • Up to 95% of the current market value of your home, less any outstanding mortgage balance
  • The ability to use for remodeling, room additions, repairs and many other improvements
  • An easy loan process - You don't have to obtain multiple contractor bids, escrow funds or wait for periodic inspections on completed work. Simply show us what you want to do and how you plan to do it

** For improvements only, not for rehabilitation projects.

Loan information is subject to change.  Certain restrictions apply.

You may download a Home Equity Loan application, if you wish to apply by mail or in person at a Capitol Federal branch location.

Apply Online

Complete a CapFed® home equity application online.

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