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A Key Community Mortgage can help make your dream of owning a home a reality. This program lets you take advantage of low down payment options, making qualifying easier than you might think.


Overview of product features.
Purchaser Qualification

Income and location based1

Loan to Value (LTV)

Up to 100% on purchases. Up to 90% on rate/term refinances

Interest Rate


Down Payment

0% on purchases2

Private Mortgage Insurance (PMI)

Not required


  • Up to 4% seller contribution allowed, and can be used for closing costs or prepaid items
  • No minimum loan amount
  • Available for one to two unit owner-occupied properties including single-family, attached or detached, condos and planned unit developments
  • A HUD-approved, pre-purchase homebuyer education workshop or relevant landlord counseling may be required before closing

Contact Us

We'll walk you through your options. With your rates, terms and benefits in hand, you'll have everything you need to take the next step.

Ask questions, explore your options. Call us or schedule a time to have us call you.


TDD/TTY: 1-800-539-8336
Mon-Fri: 8:00 a.m. – 8:00 p.m. ET
Sat: 9:00 a.m. – 3:00 p.m. ET

Meet with a mortgage loan officer near you.


Property must be located in a KeyBank Assessment Area. No income limitations if property is located in low or moderate income census tracts. For all other census tracts, income must be less than 80% of the Federal Financial Institutions Examination Council (FFIEC) Estimated MSA/MD Median Family Income. Completion of a HUD-approved prepurchase homebuyer education workshop may be required prior to closing. Landlord counseling may be required prior to closing on all two-unit transactions. Borrowers are not permitted to own any other real estate at the time of closing.


Applies to 1-unit property. 2-unit properties require a 5% down payment.

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states.

NMLS# 399797


KeyBank clients can get a .25% interest rate discount.

Home Ownership

Key Community Mortgage and other options for buying a home.

Putting down 20 percent of a home's value to purchase it is a thing of the past. Learn more about your options, including a Key Community Mortgage.

August 2018 Key Community Mortgage and other options for buying a home.
Mortgage Calculators

figure out how much house you can afford.

Find out what mortgage amount you may qualify for.

May 2018 figure out how much house you can afford.

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Clients using a relay service:

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Talk to a Mortgage Loan Officer in your neighborhood.

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