Mortgages and Loans

At Capitol Federal®, we offer a comprehensive range of mortgage and loan solutions tailored to meet your financial needs. Whether you're looking to buy a new home, refinance your existing mortgage, or secure a personal loan, our competitive rates and flexible terms are designed to help you achieve your goals.
See Mortgage Rates See Consumer Loan rates

Financing For You

Check out these featured loan products, including home mortgage loans, home equity loans, vehicle loans, personal loans and more.

Find the Right Loan for Your New Home

As a recognized leader in residential lending, we offer a wide range of mortgage solutions designed to meet the needs of every homebuyer. Whether you're purchasing your first home or refinancing an existing mortgage, our experienced loan professionals are dedicated to helping you achieve your homeownership goals. 

Find a solution that works for you:

  • Conventional Fixed-Rate Mortgage Loan
  • Adjustable-Rate Mortgage Loan
  • Purchase + Improvement Loan
  • Construction Loan
  • Home-at-Last Loan
  • VA Loans
Learn More Apply Now

Refinance with CapFed®

Use refinancing to fund home improvements, consolidate debt, pay for college, or make large purchases. Learn why you should choose Capitol Federal® for your refinance needs.

Learn More See Rates

Personal Loans with Quilo™

A loan for what you want, when you want. Quick access to funds for unexpected expenses. Using the Quilo app, you can apply when and where you want, getting a decision within minutes and funding soon after. 

Learn More

Savings Deposit Loan

Tap into the value of your Capitol Federal® CD or Savings account with a low-interest loan. Whether you need funds for a purchase or an unexpected expense, our Savings Deposit Loan offers competitive rates and flexible payment options.

  • Competitive Rates
  • Flexible Payments
  • 100% Financing
  • Automatic Payments
Learn More

Unsecured Line of Credit (Overdraft Protection)

Whether it's home improvements, unexpected expenses like a broken water heater, or simply safeguarding against overdrafts, our Unsecured Line of Credit provides peace of mind without requiring collateral.

  • No Collateral Required
  • Overdraft Protection
  • No Application Fee
Learn More See Rates
Daisy field.

Fraud Is More Common Than You Think - Here’s What That Means for You

As fraud becomes more common, managing your finances isn’t just about saving and investing, it’s also about protecting what you’ve built. Having the right tools, guidance, and support in place can help you feel more confident and in control, no matter what comes your way.
Read more
CapFed® news on tablet.
May 07, 2026

Capitol Federal® Celebrates Title Sponsorship of Spirit of Kansas

The Shawnee County Board of Commissioners recognized Capitol Federal® as the “Title Sponsor” of the 2026 Spirit of Kansas fireworks display during a check presentation ceremony at the May 7, 2026 Board of County Commission meeting.
Read more
CapFed® news on tablet.
May 05, 2026

Henry A. Bubb Distinguished Service Award

Capitol Federal® Chief Executive Officer John B. Dicus announced that Software Developer III Michael Peoples is the 2025 recipient of the Henry A. Bubb Distinguished Service Award, the Bank’s highest employee recognition.
Read more