Residential Mortgage Loan Payment Assistance

We are committed to helping our customers by offering a variety of options to assist you, whether you are interested in keeping your home or selling.

Understanding the Options

We are committed to helping our customers by offering a variety of options to assist you, whether you are interested in keeping your home or selling. Please know that the assistance options below are summaries only. Conditions and restrictions apply to each option and are subject to change without notice.

If you are having mortgage payment challenges, please complete and submit an application application, along with the required documentation. We will use the information you provide to help us identify the assistance you may be eligible to receive. If you need help completing this application, please contact Capitol Federal® at 913-652-2238.

  • Complete the linked Mortgage Assistance Application Form and Tax Information Authorization below.
  • Attach a letter stating your hardship including what has changed with your financial situation and how you are working to resolve the hardship.
  • Provide copies of your most recent income documentation for the last two months and your most recent W-2s (if applicable).
  • Please return the completed documents in the postage paid envelope, drop off at a local Capitol Federal branch, or email to [email protected].

Download Assistance Application  Download Tax Authorization Form


Assistance Options 

Repayment Plans and Payment Reduction Solutions 
 
Repayment Plans 
 
With a repayment plan, missed payments are added to the amount of payments coming due for a set period of time, often 3 or 6 months. Each of the payments coming due during the repayment period consists of the regular payment amount plus a portion of the total of missed payments. At the end of the repayment period, the loan will have been brought current. To forward a request for a representative to assist you, contact [email protected]. Include your name, contact information, and either the loan number or your property address.
 
Payment Reductions 
 
Another type of short-term payment forbearance is a reduction of the monthly amount required to be paid. Typically, such agreements reduce the required payment to the current interest due plus escrow (if applicable). These plans reduce the required payment amount for a number of months, and the loan term is extended by an equal amount of time. To forward a request for a representative to assist you, contact [email protected]. Include your name, contact information, and either the loan number or your property address.
 
If a repayment plan or payment reduction has expired or a permanent solution is required, a workout solution may be a better option.

Workout Solutions 

 
Three types of long-term, workout options are available.
 
Loan Modifications
 

Loan modifications are permanent agreements to change the terms of your loan and result in a more manageable monthly payment. Often these agreements extend the remaining term and/or reduce the interest rate of your loan. Typically, past due payments are added to the loan balance to bring the loan current. Loan modifications require an in-depth review of your specific situation. To forward a request for a representative to assist you with a loan modification, contact [email protected]. Include your name, contact information, and either the loan number or your property address.
 
Short Sales 
 
Short sales allow the sale of the home without the full loan amount being repaid. Generally, short sales are used when you do not have either the ability or the desire to retain ownership of the home. A short sale must be approved by us and, if applicable, insurers or investors. The unpaid loan balance will be reported to the IRS in accordance with Federal regulations; consult your tax advisor for the impact this will have on your individual situation. To forward a request for a representative to assist you with a short sale, contact [email protected]. Include your name, contact information, and either the loan number or your property address.
 
Deed-in-Lieu of Foreclosure 
 
Deeds-in-lieu transfer title of your home to us. A deed-in-lieu must be approved by us and, if applicable, insurers or investors. Generally, deeds-in-lieu are used when you do not have either the ability or the desire to retain ownership of the home. The unpaid loan balance will be reported to the IRS in accordance with Federal regulations; consult your tax advisor for the impact this will have on your individual situation. To forward a request for a representative to assist you with a deed-in-lieu, contact [email protected]. Include your name, contact information, and either the loan number or your property address.

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.

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