Refinance with Capitol Federal®

Refinance with Capitol Federal®

Refinancing is the process of renewing or reorganizing the terms of your loan. As interest rates and market values shift and change over time, it is a good idea to conduct a periodic review of your mortgage loan terms. Most borrowers refinance to take advantage of more favorable rates, although the process may not always include a lower rate. There are other reasons to consider refinancing such as:

  • Converting an Adjustable Rate Mortgage to a Fixed Rate Mortgage
  • Taking cash out for home improvements, debt consolidation, college education or large purchases
  • Reduce your repayment term

The Capitol Federal® Lending Team is here to assist you in determining if refinancing is right for you. We have seasoned loan professionals to help you through the process, we offer competitive rates and rate lock options and more than 125 years of trusted and sound lending policies.

To apply online, simply click here. You will need to create an account first and then complete the application.

Loan information is subject to change. Certain restrictions apply.

Refinance Today

Complete a CapFed® mortgage refinance application online.

Refinance Now

Contact a local loan professional to help you.

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should i refinance my mortgage?

Find out if refinancing your mortgage will save you money by using our free refinance calculator. Interest rates continue to be historically low, and it may make sense for you to refinance to a lower interest rate. Use our refinance calculator to analyze your current situation.


refinance with improvements

If you are considering a large home improvement project, a Refinance with Improvements loan may be a good option for you. This loan allows you to refinance your house and then make the improvements with one mortgage. It's also a good option if you have limited equity in your home. 

All you'll need to do is submit your bids for improvement along with your refinance application.

More About a Refinance with Improvements Loan
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