Step by step guidance, so you feel at home with your decisions.
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 Types||Could Be Right for You If...||Benefits & Details|
|Conventional Fixed Rate Mortgage||You 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.
|Conventional Adjustable Rate Mortgage||You 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.
|FHA Mortgage||You 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.
|VA Mortgage||You 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
|Jumbo Loan||You are in the market for a higher priced home.||
Loan amounts up to $3.5 million with fixed- and adjustable-rate options.
GoldKey, exclusively for Key Private Bank clients
|Combination||You 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).
|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.
|Mortgages for Medical Professionals||You 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).
|State Bond||You are qualified as a first-time homebuyer in the state that offers the loan program.||
Various programs with competitive rates and low down payments.