Take the Next Steps in Your Home Financing Journey
Whether you're looking to get pre-qualified, pre-approved, purchase a home, or refinance your loan, we'll help you find the right application for you and get you started down the right path.
We are thrilled you have decided to finance with Capitol Federal®, a trusted leader in residential lending for more than 130 years. We offer competitive rates, rate-lock options, and no hidden fees at closing. Our knowledgeable loan professionals are here to make the process easy and stress-free.
Choose the Path That’s Right for You:
Get Pre-Qualified
If you’re in the early stages of buying a home and want to understand how much you can afford, start with our quick and easy pre-qualification process.Get Pre-Approved
Ready to take the next step? A pre-approval provides a stronger commitment and gives you more confidence when making offers on your dream home.Purchase a Home
Already found the perfect home? Begin your mortgage application here to secure competitive rates and receive the financing you need.Refinance Your Loan
Looking to lower your monthly payment, reduce your interest rate, or access equity in your home? Our refinancing options can help you achieve your financial goals.
KNOW THE DIFFERENCE
| Pre-Qualification | Pre-Approval | Purchase Application | Refinance | |
| Purpose | Initial estimate of your borrowing power | Formal confirmation of loan approval amount | Application to secure financing for a home purchase | Application to replace an existing mortgage with new terms and/or advance equity |
| Documentation | Soft qualification credit report; non-verified/estimated income, employment and assets details | Verification of income, employment, monthly obligations, credit report and assets | Verification of income, employment, monthly obligations, credit report and assets. Real estate contract and appraisal | Verification of income, employment, monthly obligations, credit report and assets. Existing loan information (if applicable) and an appraisal |
| Level of Commitment | Preliminary, non-binding decision | Stronger commitment. Fully underwritten loan decision | Fully underwritten loan decision. Full commitment to purchase a property | Full commitment to refinance the subject property |
| Impact on Credit | No impact. Soft qualification credit report | Could impact credit score. Full credit report | Could impact credit score. Full credit report | Could impact credit score. Full credit report |
| Best For | Getting a quick idea of your budget | Showing sellers you’re a serious buyer | Securing financing for a home you intend to purchase | Adjusting loan terms to lower payments or tap equity |
| Application Fee | No Fee | Pre-approval fee applies and credited at Closing | No Fee Standard closing costs still apply. | No Fee Standard closing costs still apply. |
| Get Pre-Qualified | Get Pre-Approved | Purchase | Refinance |
Still not sure where you are in the home buying process? Visit with a local loan professional today.
Today's Featured Mortgage Rates
Use our mortgage rate search tool to find the rates in our market areas. Search by State and County for where you plan to purchase your home.
Mortgage Help Center
Get answers to your mortgage questions and learn more about the home loan process. Plus, determine your ability to buy the home you want with our home mortgage calculators.
Should You Rent or Buy?
Make informed housing decisions with Capitol Federal®'s Rent or Buy Calculator. Take some time to compare the financial implications of renting versus buying a home by evaluating costs such as monthly payments, taxes, maintenance, and potential appreciation.
The Difference Between Getting Pre-Qualified or Pre-Approved
Thinking About Building or Buying Your Next Home
