Federal Housing Administration (FHA) Mortgage

Specialized loans with government backing.

An FHA loan has features that make homeownership affordable. With its low down payment options, you’ll need less cash to get started, so qualifying is easier than you might think.

Overview

Loan to Value (LTV)

96.5% for purchases and streamline refinances
97.75% for rate/term refinances
80% for cash-out refinances

Interest Rate

Fixed or variable

Down Payment

As low as 3.5%

Features

  • Up to 6% seller contribution allowed (based on LTV), and can be used for closing costs or prepaid items
  • Allows for down payment assistance from third-party organizations and agencies
  • No reserve requirement for a 1-2 unit property1
  • Available for 1- to 4-unit properties, including single family homes, condos or planned unit developments

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.

Directory
1

Dependent upon automated mortgage underwriting response.

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

Mortgages

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

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Call Us

1-888-KEY-0018

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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Schedule and Appointment

Talk to a Mortgage Loan Officer in your neighborhood.

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Find a Branch or ATM

Contact Us Icon

Call Us

1-888-KEY-0018

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Contact Us Icon

Schedule and Appointment

Talk to a Mortgage Loan Officer in your neighborhood.

Schedule an appointment now