Construction Loans

Construction-to-Permanent Loan - Convenience is the key to your dream home. Apply OnlineLoan CalculatorCheck Current RatesCapitol Federal's Construction-to-Permanent loan program - one closing, one rate, one loanCapitol Federal's Construction-to-Permanent loan program - one closing, one rate, one loan

Having a strong foundation and a solid plan for financing is crucial when building your dream home.

With Capitol Federal’s True Blue® Construction-to-Permanent Loan program, you can enjoy the convenience of one loan throughout the building process and life of the loan.

Learn more about the:

Construction Details:

  • Competitive conforming and jumbo rates
  • Loan costs among the lowest in the industry
  • Construction time to allow flexibility
  • Dependable local service with 24-hour draw turnaround time
  • Payments made directly to suppliers and subcontractors as authorized by you
  • During construction, receive monthly invoices for accrued interest based on the amount of loan funds you have used


Conversion to Permanent Details:

  • Interest rate locked for life of the loan on conventional fixed-rate loans
  • Possible tax advantages (consult a tax advisor for deductibility)
  • Automatic conversion to a permanent loan with no change to your interest rate
  • Free one-time re-amortization upon sale of existing residence*
  • True Blue® service throughout the life of the loan


* You must close the sale within 90 days of conversion. Additional restrictions apply.

Construction-to-Permanent loans are not available in all areas. Loan information is subject to change. Certain restrictions apply.

Questions? Call us for details: 1-888-8CAPFED (1-888-822-7333).