Online Mortgage Application - Apply Today!

Congratulations! 

You've decided to buy a home and want to finance with Capitol Federal®, a trusted leader in residential lending for over 130 years. We offer competitive rates, rate-lock options, and no hidden fees at closing. Our knowledgeable loan professionals are here to make the process easy and stress-free.

To start your mortgage application, simply create an online account. If you already have one, log in to begin. Need guidance? Explore our Pre-Qualification or Pre-Approval options, or contact a Loan Professional for assistance.

We look forward to helping you be True Blue® with CapFed!

To apply online you'll need to have the following information on hand:

• Bank statements (all pages) for the most recent two months
• IRS Form W-2 for the most recent two years
• Name and contact information for homeowner's insurance agent
• Name and contact information for Landlord (if applicable)
• Pay stubs covering the most recent 30-day period
• Year-end pay stubs for the last two years to verify bonus, overtime and/or commission income (if applicable)
• Most recent Pension, Retirement, Social Security or Disability Award Statement (if applicable)
• Most recent statement for all mortgage accounts
• Two months account statements (all pages) for investment/retirement accounts
• Fully executed real estate sales contract or building agreement, including all addendums (if applicable)
• Prepaid appraisal fee (after the Loan Estimate has been reviewed and Intent to Proceed provided)

For Borrowers with Self-Employed Income (Ownership interest of 25% or more in a business):

• Previous two years’ Federal Tax returns, including all schedules 
• W-2s and 1099s
• Year-to-date profit/loss statement (signed and dated)
• Previous two years’ corporate/partnership returns, including K-1s

For Borrowers with Rental Properties:

• Previous two years’ Federal Tax Returns 
• Lease agreement and the estimated property value for each property owned
• Monthly mortgage statement for each property owned

We may require more documents, depending on your circumstances, but this is a good start to complete the online portion. In addition, we will run a credit report as part of our underwriting process.

Once you have gathered your information, completing your application should only take a few minutes. If you run out of time, or need to find documentation, you can always save and come back at a later date. We look forward to serving your loan needs.

KNOW YOUR OPTIONS - PRESCREEN OPT-OUT

A credit report will be initiated as part of the loan qualification process, typically within 48 hours of your application. This credit inquiry becomes a part of your credit file. Credit reporting agencies often sell the inquiry information to companies looking for leads. These companies may try to contact you directly upon receipt of the lead information.

While CapFed does not use this approach, nor are we the seller of the information, you may choose to opt-out to keep your inquiry information from being sold to other companies. It can take up to five business days to update your opt-out status, therefore you may wish to opt-out prior to making a loan application.

For more information or to register, visit www.optoutprescreen.com.

Still not sure if you are ready? Check out our information on a Pre-Qualification or Pre-Approval to help guide you in the right direction. 

Get Pre-Approved First Apply Now to Purchase a Home I'm Interested in Refinancing