Key Opportunities Home Equity Loan1
As a homeowner, you’ve invested in your community and made it stronger. When you want to borrow from the equity you’ve gained, we want to help. Our Key Opportunities Home Equity Loan provides excellent, fixed rates for homeowners living in designated communities.
Overview
| Combined Loan to Value (CLTV) | Up to 80% CLTV2 |
|---|---|
| Eligible Collateral | Primary home in designated communities. |
| Loan Amount | $25,000 to $100,000 |
| Interest Rate |
Fixed |
| Term | One to 30 years3 |
| Manage in Online Banking | Yes |
Features
Key Opportunities Home Equity Loan provides a permanent interest rate discount available for owner-occupied homes in qualifying communities, selected for their economic and demographic makeup.1
Home Equity Loan
Up to 80% Combined Loan-to-Value2
See if you qualify
To see if your home is in a community that may qualify for Key Opportunities Home Equity Loan, contact a KeyBank Mortgage Loan Officer near you.
NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.
To apply for a home equity loan, you must:
- Be 18 years of age or older
- Live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
- Agree to provide additional personal and business information, if requested, such as tax returns and financial statements
- Certify that all information submitted in the application is true and correct
- Authorize the bank and or a credit bureau to investigate the information on the application
Please read our Disclosures. If you applied for your credit account online within the last 90 days, you may also review the original disclosures provided to you.
Loan features reduced interest rate and no origination fees. Available on existing primary residence and loans up to $100,000. First or second lien only. Loan must close in a branch. Property must be located in an eligible community in KeyBank's retail footprint. Additional terms or restrictions may apply. Ask us for details. 2 Loan-to-value ratios apply only to loans secured by owner-occupied real estate.
Loan-to-value ratios apply only to loans secured by owner-occupied real estate.
Subject to credit approval. Certain loan amounts may require borrower to pay title insurance premiums. Please review your loan documentation for details. Loans in certain designated states pay mortgage tax and mortgage taxes and documentary stamps. Typical loan payment examples are as follows: If you borrow $360,000 secured by an owner-occupied home, for 120 months at 10.56% APR, the monthly payment would be $4,869.76 or if you borrow $360,000 secured by an owner-occupied home, for 240 months at 10.65% APR, the monthly payment would be $3,630.51. Samples include a down payment of 20% or $90,000. Advertised rates and APR effective as of 7/10/2025 and are subject to change without notice and are determined from those offered as of the date of application. Non-owner-occupied financing is also available. Ask us for details. Actual rates, APRs, fees, payment amounts and terms are based on loan-to-value (LTV), product, term, loan amount and credit qualifications.
Please consult your tax advisor.
NMLS# 399797. Equal Housing Lender.
