Residential Mortgage Loan Payment Assistance

Understanding the Options

We are committed to helping our customers by offering a variety of options to assist you, whether you are interested in keeping your home or selling. Please know that these are summaries only. Conditions and restrictions apply to each option and are subject to change without notice.

Assistance Options 

Repayment Plans and Payment Forbearance Solutions

Repayment Plans

With a repayment plan, missed payments are added to the amount of payments coming due for a set period of time, often 3 or 6 months. Each of the payments coming due during the repayment period consists of the regular payment amount plus a portion of the total of missed payments. At the end of the repayment period, the loan will have been brought current. To forward a request for a representative to assist you, contact LoanServicing-LossMit@capfed.com. Include your name, contact information, and either the loan number or your property address.

COVID-19 Payment Deferments

In response to the current COVID-19 pandemic, Capitol Federal is offering a 3-month deferment of mortgage loan payments for deferment requests resulting from the pandemic. Interest is not charged on the deferred amounts, which become due at the time of pay off of the loan or loan maturity, whichever occurs first.

If you are requesting payment deferment due to COVID-19 related reasons, please complete and return the Mortgage Assistance Application. Include also a statement explaining your hardship resulting from the COVID-19 pandemic. Income documentation requested on page 3 of the Application need not be provided. Contact LoanServicing-LossMit@capfed.com if you have any questions.

Payment Reductions

Another type of short-term payment forbearance is a reduction of the monthly amount required to be paid. Typically, such agreements reduce the required payment to the current interest due plus escrow (if applicable). These plans reduce the required payment amount for a number of months, and the loan term is extended by an equal amount of time. To forward a request for a representative to assist you, contact LoanServicing-LossMit@capfed.com. Include your name, contact information, and either the loan number or your property address.

If a repayment plan or payment forbearance has expired or a permanent solution is required, a workout solution may be a better option.


Workout Solutions


Three types of long-term, workout options are available.

Loan Modifications

Loan modifications are permanent agreements to change the terms of your loan and result in a more manageable monthly payment. Often these agreements extend the remaining term and/or reduce the interest rate of your loan. Typically, past due payments are added to the loan balance to bring the loan current. Loan modifications require an in-depth review of your specific situation. To forward a request for a representative to assist you with a loan modification, contact LoanServicing-LossMit@capfed.com. Include your name, contact information, and either the loan number or your property address.

Short Sales

Short sales allow the sale of the home without the full loan amount being repaid. Generally, short sales are used when you do not have either the ability or the desire to retain ownership of the home. A short sale must be approved by us and, if applicable, insurers or investors. The unpaid loan balance will be reported to the IRS in accordance with Federal regulations; consult your tax advisor for the impact this will have on your individual situation. To forward a request for a representative to assist you with a short sale, contact LoanServicing-LossMit@capfed.com. Include your name, contact information, and either the loan number or your property address.

Deed-in-Lieu of Foreclosure

Deeds-in-lieu transfer title of your home to us. A deed-in-lieu must be approved by us and, if applicable, insurers or investors. Generally, deeds-in-lieu are used when you do not have either the ability or the desire to retain ownership of the home. The unpaid loan balance will be reported to the IRS in accordance with Federal regulations; consult your tax advisor for the impact this will have on your individual situation. To forward a request for a representative to assist you with a deed-in-lieu, contact LoanServicing-LossMit@capfed.com. Include your name, contact information, and either the loan number or your property address.

Small Business & Commercial Loan Payment Assistance

Learn more about how we are helping our small business and commercial loan customers with loan payment assistance.

More On Business Loan Assistance

Consumer Installment and Execuline Home Equity Payment Assistance

Learn more about Consumer Installment and Execuline Home Equity Payment assistance.

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