Home-At-Last Loans *

Our Home-At-Last loan program is specially designed to meet the needs of low- to moderate-income home buyers. We offer several financing options to fit your needs and budget. If you qualify, you need very little down, you receive quick loan decisions, and there are no origination or discount fees. Plus, you'll always get the personal service that's a True Blue tradition at Capitol Federal.

Advantages of Home-At-Last Loans

• Low down payment
• Reduced closing costs may apply
• No minimum loan amounts
• Gifts or grants can cover closing costs
• Conventional loan appraisal standards

What Can I Buy or Refinance?

Home-At-Last loans apply only to single-family homes that will be occupied as a family's primary residence. The home must be located within one of Capitol Federal's delineated local communities.

We believe there's more to owning a home than securing a loan. That's why we offer a home buyer education program for our loan customers.

Home-At-Last borrowers are required to participate in this very helpful home ownership and personal finance counseling program. The programs are offered by recognized community organizations or in a counseling session arranged by Capitol Federal.

*Restrictions apply to these programs, and they are subject to change without notice.