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Fixed-Rate Mortgage Loan


A fixed-rate conventional home loan 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.  You can also lower your monthly payments by spreading them out over a long period of time.  This is a perfect loan for those who plan to stay in their home for several years.

Fixed-Rate Mortgage Highlights:

  • Comes in 30-, 20-, 15- and 10-year terms
  • Payment remains the same over the life of the loan
  • Locks in an interest rate, protecting against an increase in the future
  • Convenient Automatic Payment Option program

Jumbo Fixed-Rate Loans are also available for loans more than $500,001.

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Interest rates are subject to change without notice.

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Complete a CapFed® mortgage application online.

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Contact a local mortgage consultant to help you.

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Convenient Automatic Payment Option

With Capitol Federal's Automatic Payment Option, we handle all the details of paying your mortgage after you enroll…and this service is provided to you at no cost. Authorize deduction from a checking or savings account and determine the transfer date: 1st, 5th, 10th, 15th, 20th or 25th of each month.*

To start your Automatic Payment Option, simply complete the Automatic Payment Option Agreement Form** (PDF), sign and return the form, together with a check marked "void", to:

Capitol Federal
Attention: Loan Service Department
700 S Kansas Avenue
Topeka, KS 66603

If you prefer, you may fax the completed form to CapFed at 785-270-6024 or email it to

Once registered, make a notation in your account register - or confirm the transaction through True Blue Online® banking. It's perfect! No checks to write, no postage to pay and no forgotten payments or checks lost in the mail. Under Capitol Federal's Automatic Payment Option, customers may make additional principal payments to their loan.

Keep Me Informed of Loan Rates

Sign up to receive bi-weekly rate update emails and learn more about Capitol Federal® home loan products. These short emails are the perfect way to monitor mortgage interest rates at Capitol Federal.

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rick jackson, chief lending officer, discusses the current housing market

Executive Vice President Rick Jackson, CLO, shares his thoughts on housing prices, demand, Capitol Federal's local loan servicing and why 2016 is a great year to buy a house.

Check back often to learn more about the economy, finances, housing and our True Blue® traditions by watching our CapFed® series of videos, here on These short snippets of video will provide insights to help you make more informed decisions as you make your way through 2016 and beyond. Both our Executive Team and our employees will be featured, telling you what you need to know and what's to come. We are excited to share what it means to be True Blue. 

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Lower Initial Interest Rate

Learn more about how an adjustable-rate mortgage (ARM) could save you money on your home loan early on with a lower initial rate.

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How much home can you afford?

Determine your ability to buy the home you want with our home affordability mortgage calculator. It’s free and easy to use. Try it today!

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Mortgage Help Center

Get answers to all your mortgage questions and learn more about the mortgage loan process.

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*Mortgage Loans and Consumer Loans are available on these dates; although for Consumer Loans, if the Automatic Payment Option payment date is later than the loan payment due date, additional finance charges may be incurred. Execuline transfer date available only on 10th of each month. All transfers are processed only on regular business days. Should the transfer date fall on a weekend or federal holiday, the transfer will be processed on the next business day. If the mortgage or loan payment amount changes, the customer will be notified in advance of the change.

**One agreement form is required for each loan.