Woman holding a house key.

Owning a home is one of life's great milestones. So whether you are purchasing your first home, moving up to a dream home, or refinancing your current residence, Capital City Bank's mortgage department can help. Our mortgage professionals are dedicated to understanding your unique needs and making the process of home ownership fast and easy.

Fixed-Rate Mortgage

  • The security of having the same interest rate over the life of the loan
  • Easier budgeting with predictable monthly payments because the principal and interest payment, and interest rate will not change over the life of your loan.
  • Attractive option for borrowers who plan to stay in their home for several years

Adjustable-Rate Mortgage (ARMs)

  • The interest rate is not fixed for the entire life of the loan
  • Rates are lower in the early years and may increase when the initial rate period ends 
  • Lower rates in the early years of your mortgage means more cash on hand

FHA Home Loans

  • Affordable option for an individual with little cash on hand
  • Relatively low closing costs and down payment requirements
  • Gift funds can be used for the borrower's down payment and closing costs

VA Loans (Department of Veterans Affairs)

  • Available to eligible current or former members of the U.S. Armed Forces 
  • Low or no down payment
  • Private Mortgage Insurance (PMI) is not required, resulting in lower monthly payments

Construction Loans

  • A temporary mortgage loan that provides the funding of the home you always imagined
  • May also be used for additions or major renovations to your current residence
  • You receive interim funding during the construction phase of your new project with permanent financing put into place after construction is completed

Get Started
Meet our Mortgage Loan Originators


(785) 274-5600

(785) 330-1200

Overland Park
(913) 266-6900

Capital Connection 24 hour Information line
(785) 274-5680

Report a Lost or Stolen Debit or ATM Card


Send Us A Secured Email

By Mail
Capital City Bank
PO BOX 1433
Topeka, KS 66601-1433