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Home financing can look different for everyone. Our experienced Mortgage Loan Officers will take the time to get to know you and your current financial situation to help you find the loan that’s best for you.

Personalized Service You Can Depend On

Your KeyBank Mortgage Loan Officer will be with you every step of the way to:

  • Evaluate your full financial picture to determine what you can afford
  • Review available home loan programs
  • Help you understand the home financing process
  • Walk you through every step of buying or refinancing your home
Mortgage TypesCould Be Right for You If...Benefits & Details
Conventional Fixed Rate MortgageYou plan to stay in your home for more than a few years.

Rate remains the same for the term of the loan.

Allows for easier budgeting.

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Conventional Adjustable Rate MortgageYou may want to sell or refinance sooner and are looking for lower payments in the initial years of your loan.

Interest rate adjusts periodically to reflect market condition within a predetermined time frame, and there may not be a cap on interest rate increases.

Lower initial rate can be locked in for different time periods, after which the interest rate and monthly payments may change.

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FHA MortgageYou qualify based on income and other factors.

Low down payment options, plus the ability to use gift funds for down payment and closing costs.

Backed by the FHA, so the lending restrictions may be more relaxed than for conventional mortgages.

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VA MortgageYou qualify for a VA home loan as a veteran or reservist.

VA loans are partially guaranteed by the VA, so private lenders can provide better terms.

100% loan-to-value without mortgage insurance and no down payment in most cases.1

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Jumbo LoanYou are in the market for a higher priced home.

Loan amounts up to $3.5 million with fixed- and adjustable-rate options.


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GoldKey, exclusively for Key Private Bank clients

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CombinationYou have funds for a 10% down payment.

Two simultaneous mortgages, one for 80% of the home’s value (LTV) and one for 10% LTV. The remaining 10% is your down payment.

Eliminates the need for Private Mortgage Insurance (PMI).

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Key Community Mortgage®You qualify based on income or location.

May offer up to 100% financing.

Conventional financing with no Private Mortgage Insurance (PMI) required.

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Mortgages for Medical ProfessionalsYou qualify based on your profession.

Tailored to the financial realities of physicians, veterinarians and dentists.

Up to 100% loan-to-value (LTV) or combined loan-to-value (CLTV).

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State BondYou are qualified as a first-time homebuyer in the state that offers the loan program.

Various programs with competitive rates and low down payments.

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We’re in Your Neighborhood

Find a Mortgage Loan Officer near you to get all your questions answered.



Unless required by the lender, or if the purchase price exceeds the reasonable value of the property as determined by the VA, or the loan is made with graduated payment features.

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

New York residents, please see our table of common residential mortgage servicing fees

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