Refinance with Improvement Loan

Refinance with Improvement Loan

ready. set. renovate.

Are you considering a large renovation project on your home, but aren't quite sure how to finance your ideas? Consider our Refinance + Improvement loan program.

The Refinance + Improvement loan allows you to refinance your current home with Capitol Federal® and then make home improvements with one mortgage loan. It is very similar to our Purchase + Improvement loan product. Simply submit bids for your home improvements at the time of the refinance application, and the appraiser will take the proposed improvements or repairs into consideration.

Refinance + Improvement Highlights:

  • One loan for both the refinance and improvements

  • Loan amount is based on the home value after improvements or repairs are made; this can be helpful for those with limited home equity

  • Lower monthly payments than regular home improvement loans
If you'd like to discuss your home improvement financing options, you may contact one of our local loan professionals.

Convenient Automatic Payment Option

With Capitol Federal's Automatic Payment Option, we handle all the details of paying your mortgage after you enroll…and this service is provided to you at no cost. Authorize deductions from a checking or savings account and determine the transfer date: 1st, 5th, 10th, 15th, 20th or 25th of each month.*

To start your Automatic Payment Option, simply complete the Automatic Payment Option Agreement Form**, sign and return the form, together with a check marked "Void", to:

Capitol Federal
Attention: Loan Service Department
700 S Kansas Avenue
Topeka, KS 66603

If you prefer, you may fax the completed form to CapFed® at (785) 270-6024 or email it to

Once registered, make a notation in your account register - or confirm the transaction through True Blue Online® banking. It's perfect! No checks to write, no postage to pay and no forgotten payments or checks lost in the mail. Under Capitol Federal's Automatic Payment Option, customers may make additional principal payments to their loan.

*Mortgage loans and consumer loans are available on these dates; although for consumer loans, if the Automatic Payment Option payment date is later than the loan payment due date, additional finance charges may be incurred. Execuline transfer date available only on 10th of each month. All transfers are processed only on regular business days. Should the transfer date fall on a weekend or federal holiday, the transfer will be processed on the next business day. If the mortgage or loan payment amount changes, the customer will be notified in advance of the change.

**One agreement form is required for each loan.

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Complete a CapFed® mortgage application online.

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