True Blue Home Loans

Whether you are buying your first home, moving or refinancing your present mortgage, we have an affordable home loan to fit your needs. We've been making home loans for more than a century. So you can have the security of knowing that we'll be right here when you need us.

That's important when you have a question about your home loan. You'll get helpful answers from someone across town - not somewhere across the country. You'll always get the kind of personal service you would expect from a True Blue friend.

No matter which mortgage plan you choose, a Capitol Federal loan representative will help you through every step of the loan process. We suggest you stop by Capitol Federal and pre-qualify for a mortgage. Then you'll know the maximum monthly payment you can afford for a home. That's a big help when shopping for a home and when you're negotiating for the best price.

Come in today and find out why more Kansans trust Capitol Federal with their home loans than any other lender. Capitol Federal is an equal opportunity lender.

Fixed Rate and Adjustable Rate Loans

Purchase + Improvements Loans(or Refinance with Improvements Included)

Home-at-Last Loans

Other Mortgage Loans

We offer second mortgages and equity line-of-credit loans. Both of these loans enable you to borrow a portion of the equity in your home to use as you wish.

We also offer Home Improvement loans. Please ask a loan representative for more information on these products.

Closing Costs

When it comes to closing costs, we always do our best to work with you. You may fund your closing costs with:

• Gifts or grants
• Seller contribution

Mortgage Loan Fees

Closing Fees may include: appraisal fee, credit report fee, loan underwriting fee, loan origination fee, interest rate commitment fee, buy-down discount, private mortgage insurance premium, title insurance premium, and other fees incidental to the mortgage lending process. Fees vary with the type and amount of loan requested. A detailed estimate of fees is provided at application.

These loan descriptions are correct as of 03/01/2006. This material is for information purposes only and is not a commitment to make a loan. A copy of Capitol Federal's Underwriting Standards is available upon request. This booklet explains the loan underwriting process.