You can use the equity you have in your home to make home improvements, consolidate your debt, and make large purchases.
Find the Right Option for You
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Key Equity Options® Home Equity Line of Credit (HELOC)
Continuous access to credit, based on available equity
- Get a .25% interest rate discount with an eligible KeyBank checking and savings account.
- Revolving line of credit that uses the available equity in your home
- Low variable rates, with options to lock in fixed payment and protect against rising interest rates
- Can be used, paid off and used again
- Flexible payment options including fixed and interest-only
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Variable, with 3 options to lock in fixed rates
Interest Rate -
Borrow as needed
Disbursement
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Home Equity Loans
A lump sum loan secured by your home and based on the amount of equity you have available
- Get a .25% interest rate discount with an eligible KeyBank checking and savings account.
- A single distribution of funds with the maximum amount determined by your home’s appraised value
- Fixed rate and payment to protect against rising interest rates
- Set monthly payments for easy budgeting
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Fixed
Interest Rate -
Single, lump sum
Disbursement
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Key Opportunities Home Equity Loan
A lump sum loan secured by your home and based on the amount of equity you have available
- Outstanding special interest rates available for borrowers in qualifying communities
- A single distribution of funds with the maximum amount determined by your home’s appraised value
- Fixed rate and payment to protect against rising interest rates
- Set monthly payments for easy budgeting
-
Fixed
Interest Rate -
Single, lump sum
Disbursement
Why Borrow With Key
- Exceptional service from home lending specialists
With Key, you get a dedicated expert who answers every question, works to make sure you have the home equity solution that fits your life, and helps you every step of the way. You also get a lender you can count on long after closing.
- Convenient payment options
Make your payments quickly and easily through online and mobile banking, by phone or mail, with recurring automatic payments, or in a branch.
- Secure online & mobile banking
Sign on for 24/7 account access to make payments, transfer money, check balances, and view your statements online.
- Key Financial Wellness Review®
In just 30 minutes, an experienced banker will help you see where your finances stand and show you how to reach your financial goals. Schedule an appointment.
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. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed.
For Home Equity Line of Credit:
Reimbursement of Lender Paid Costs: If you voluntarily close your line of credit within 36 months of the date you sign the agreement, you will reimburse KeyBank for bona fide fees it paid to third parties on your behalf in connection with the account opening and as provided in your Agreement.
For Home Equity Loan:
Reimbursement of Lender Paid Costs: If you voluntarily prepay your loan in full within 36 months of the closing date, you will reimburse KeyBank for bona fide fees it paid to third parties on your behalf in connection with the loan closing and as provided in your Promissory Note.
NMLS# 399797
All credit products are subject to credit approval.
New York residents, please see our table of common residential mortgage servicing fees.
KeyBank bankers are listed on the Nationwide Mortgage Licensing System and Registry as part of the Secure and Fair Enforcement for Mortgage Licensing Act.
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Investment products offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. KIS is affiliated with KeyBank National Association (KeyBank).
Investment products made available through KIS are:
NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY
KIS and KeyBank are separate entities, and when you buy or sell securities you are doing business with KIS and not KeyBank.
Key.com is a federally registered service mark of KeyCorp.
