Apply Now for a Home Loan

Everything you need to complete your application

Congratulations! You’ve made the decision to buy a home and are interested in financing with Capitol Federal®, a leader in residential lending. For more than 125 years, we’ve prided ourselves on serving the local community and having knowledgeable loan professionals to help you. We offer competitive rates, plus rate-lock options. And, we are a best value in the market with no hidden fees at closing time. Take the stress out of financing a home, and know you have a trusted, reputable partner with CapFed®.

We are excited for you to be True Blue®.

To begin the application process you will first need to create an online account, and then complete the application. If you have previously created an account, you may log in with your user ID and password to begin a new application.

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-qualified or contact a Loan Professional to get started.

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

W-2's (last 2 years)
Recent pay stubs
Recent bank statements and other financial information
Personal information
Outstanding debt information
Current Asset information
Type of loan you are considering

For Self-Employed Borrowers that own 25% or more of the business:

Copies of the last two year personal tax returns, including all schedules
Copies of the last two year returns for each business, including K-1's and W2's, as applicable
A profit and loss statement through most recent month preceding loan application
Two months business banking account statements no older than the latest two month represented on the YTD profit and loss

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 your 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

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Apply Now to Purchase a Home

Contact a local mortgage consultant to help you.

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Take the first step: Get pre-qualified or Get pre-approved

Thinking of buying a house in the future? The first step is to get pre-qualified. At CapFed, our no cost Pre-Qualification program will help you determine what you can afford to buy based on your stated income, monthly obligations and assets.

You’ve been planning and saving towards the purchase of a home and you’re ready to buy? CapFed has a quality Pre-Approval program that will let realtors and home sellers know you are a serious buyer and ready to make the commitment. A Pre-Approval fee applies.

Learn More About Pre-Qualified or Pre-Approved