GoldKey Mortgage
Tailored financing for exceptional homes.
Whether it’s for a dream home, vacation retreat, or investment property, KeyBank’s GoldKey Mortgage can provide high-value financing to meet your needs. See how our standard competitive rates or tiered discounts for qualified clients could help you secure your next big purchase.
Overview
| Loan Amount |
Up to $3.5 million |
|---|---|
| Interest Rate |
Fixed or variable |
| Private Mortgage Insurance (PMI) |
Not required |
Features and Benefits
Competitive Rates and Tiered Discounts
Finance your property at our latest competitive rate or qualify for an additional discount. Earn the GoldKey Discount when you have at least $250,000 in deposits or investments at KeyBank, or the Platinum Discount with at least $2 million in deposits or investments at Key.1
Asset Depletion Option for Qualified Individuals
Retirees, investors, or other high-net-worth individuals whose income is derived from assets rather than regular paychecks may be able to apply for this mortgage using asset depletion for eligible income.
Various Property and Loan Types Supported
Use this mortgage to purchase or refinance primary residences, second homes, or investment properties, including one- to four-unit properties, single-family homes, attached and detached properties, condos, and 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.
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.
Deposit or Investment Requirement: GoldKey Discount is available to KeyBank borrowers with $250,000 or more in Eligible Deposits and/or Investments with KeyBank. An additional Platinum Discount is available to KeyBank borrowers with $2,000,000 or more in Eligible Deposits and/or Investments with KeyBank. “Eligible Deposits and/or Investments” for the GoldKey mortgage loan discounts include any combination of money on deposit or invested in any KeyBank personal checking, savings, investment, or equivalent Key Private Banking accounts that are owned by one or more of the mortgage loan applicants. An eligible checking account includes those consumer deposit accounts designated as personal checking accounts by KeyBank or the KeyBank Hassle-Free Account®. An eligible savings account includes those consumer deposit accounts designated as savings accounts by KeyBank, health savings accounts, certificates of deposit, or individual retirement accounts. Eligible investment accounts are investment accounts that are offered through Key Investment Services LLC (KIS)*. Minimum Eligible Deposits and/or Investment account balances must be in excess of any closing costs or down payment requirements associated with your loan and must be verifiable by no later than seven business days prior to closing.
Investment products are offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. Insurance products are offered through KeyCorp Insurance Agency USA, Inc. (KIA). KIS and KIA are affiliated with KeyBank National Association (KeyBank). Investment and insurance products made available through KIS and KIA are:
KIS, KIA and KeyBank are separate entities, and when you buy or sell securities and insurance products you are doing business with KIS and/or KIA, and not KeyBank.
NMLS# 399797. Equal Housing Lender.
