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
Different currency bills.

Understanding Foreign Currency: A Beginner's Guide

Learn the importance of foreign currency and how Capitol Federal® can help you get the currency you need.
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John B. Dicus headshot.
March 12, 2025

Chairman's Desk - Spring 2025

With the year’s most vibrant season upon us, I’m pleased to share some updates and express my sincere gratitude for your continued trust in Capitol Federal® as your banking partner. This spring, we’re looking forward to introducing both new and familiar services designed to meet your evolving financial needs.
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QR code on smart phone.
March 12, 2025

Scan Safely - QR Safety Tips

QR codes, or Quick Response codes, have surged in popularity across a wide range of applications in recent years. QR codes have changed how we use technology and access information. They help with contactless payments, quick website access, sharing promotions, and checking into events.
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