Home Equity Loans

Home Equity Loans - Put your home to work for you. Loan CalculatorApply OnlineCapitol Federal Home Equity Loans - put your home to work for youCapitol Federal Home Equity Loans - put your home to work for youCapitol Federal Home Equity Loans - 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.

Apply Online or Print an Application.


Home Equity for Home Improvement** 

With our Home Improvement Loan, you can borrow up to 95% of the current market value of your home, less any outstanding mortgage balance. You may use your Home Improvement Loan for remodeling, room additions, repairs and many other improvements. 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 - it's that easy.


Conventional Home Equity

For those who prefer a more traditional home equity loan, Capitol Federal offers a fixed-rate, fixed-term option. You can borrow up to 95% of the current market value of your home, less any outstanding mortgage balance (subject to program maximum loan amount).***

* Interest may be tax-deductible. Please consult your tax advisor regarding the deductibility of interest.
** For improvements only, not for rehabilitation projects.
***Assuming a $25,000 loan, 80% LTV loan and an APR of 7.278% (effective as of September 1, 2009), you would be required to make 240 monthly payments of approximately $198.


For a list of current rates, click here.

Loan information is subject to change.  Certain restrictions apply.


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Download, complete, print and mail a pre-authorized transfer form to:
Capitol Federal
ATTN: Loan Service Department
700 S. Kansas Avenue
Topeka KS 66603

When to set your Pre-Authorized Transfer Dates:
Mortgage Loans and Consumer Loans, except Execuline, are available on the 1st, 5th, 10th, 15th, 20th, or 25th of each month*; Execuline transfers are available on the 10th of each month only. When selecting your transfer date, remember that these transactions 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 regular business day. If your mortgage or loan payment amount changes, you will be notified in advance of the change.

*On Consumer Loans, if the Pre-Authorized Transfer payment date is later than the loan payment due date, additional finance charges may be incurred.