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.
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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
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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.

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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. 

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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
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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
Press release on tablet.
June 24, 2025

Capitol Federal® Donates $10,000 to Special Olympics & Celebrates $100 Million in Total Giving Since Inception

The Capitol Federal Foundation® presented a $10,000 donation to Special Olympics Kansas in a check presentation ceremony today at the Capitol Federal® Home Office branch in downtown Topeka.
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Man receiving flag.
June 12, 2025

CapFed® Presents U.S. Flags to Senior Living Communities in Honor of Flag Day

In honor of Flag Day 2025, Capitol Federal® continued its annual tradition of presenting U.S. Flags that flew over the Capitol in Washington, D.C. to local community organizations. This year, CapFed® staff presented flags to senior living communities in each of our local areas.
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John B. Dicus photo for Chairman's Desk.

Chairman's Desk - Summer 2025

As we approach summer and the halfway point of 2025, I’d like to express my sincere gratitude for your continued trust in CapFed® as your banking partner. I’d like to take a moment to share a few updates so far this year at Capitol Federal®.
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