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When you're ready to buy a home, a Fannie Mae HomeReady® mortgage from KeyBank can help. These federally backed loans make home buying truly affordable and, from our initial meeting to the closing, we’ll be with you every step of the way.


Purchaser Qualification

Based on income or location1

Loan to Value (LTV)

Up to 97%

Interest Rate


Down Payment

As low as 3%

Private Mortgage Insurance (PMI)

Lower premiums available


  • Available for purchases and for rate or term refinancing2
  • Gifts, grants and community seconds are permitted as funding sources for down payment and closing costs. 3%, 6% or 9% seller contribution allowed (based on LTV), and can be used for closing costs or prepaid items
  • Available for one to four unit, owner-occupied properties including single-family, attached or detached, condos or planned unit developments



No income limitations on low-income census tracts and limited to 100% of Area Median Income (AMI) in all other census tracts.


Cash-out refinances not permitted.

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 and products are available in all states. NMLS#399797

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Mortgage Calculators

Mortgage Payoff Calculator

Find out how much interest you can save by increasing your monthly mortgage payment and paying your mortgage off more quickly.

Mortgage Payoff Calculator

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