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Since home financing can be different for everyone, Key has mortgages for almost any situation. And, our Mortgage Loan Officers will get to know you and answer all your questions so you can confidently choose a loan that fits your life.

Personalized Service You Can Depend On

Whether you’re buying or refinancing, your KeyBank Mortgage Loan Officer will be with you every step of the way.

  • Evaluate your full financial picture to determine what you can afford
  • Review available home loan programs that might make sense for you
  • Clarify the home financing process so you always know what to expect

Types of Mortgages Available from KeyBank

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.
  • SilverKey

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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).

    Learn More

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).

    Learn More

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.

    Learn More

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 or 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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