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

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.

KNOW YOUR OPTIONS - PRESCREEN OPT-OUT

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 www.optoutprescreen.com.


Apply Now to Purchase a Home Create an Account I'd like to get pre-approved first I'm Interested in Refinancing

Apply Online

Complete a CapFed® mortgage application online.

Apply Now

Contact a local mortgage consultant to help you.

Find Loan Professional

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. 

Learn More About Pre-Approved Get Pre-Approved Today
Panel Image for PreApproved Loans.
Refinance Image

refinance Your home with capitol federal® 

Considering refinancing your current home loan? Capitol Federal® offers competitive interest rates and a knowledgeable loan staff to make the process simple and easy. With no hidden closing fees, you will get the best value in your area. We have been trusted by customers for more than 125 years for our sound lending policies. Let us help you refinance today.

Learn More About Refinancing Refinance Your Home Today