Apply Now for a Home Loan

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.

To complete the application, you’ll need to have the following information on hand:

W-2s (last 2 years)
Recent pay stubs
Recent bank statements and other financial statements
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 years personal tax returns, including all schedules
Copies of the last two years tax 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 months 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.


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

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Complete a CapFed® mortgage application online.

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Take the first step: Get pre-approved

Now that you've chosen Capitol Federal® for your loan, the first step in buying a home is getting pre-approved. At CapFed® we offer a simpler way to buy a home. With our pre-approval process you will receive an official letter with an approved loan amount, plus there is no obligation or commitment. Create an account and apply online today. 

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