Which of our mortgages is right for you?

Mortgage Types Could Be Right for You If... Benefits & Details

Conventional Fixed Rate Mortgage


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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

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You may want to sell or refinance early and can afford to make larger monthly payments should interest rates rise.

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.

Government (FHA/VA/HomeReady®)

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You qualify based on income and other factors.

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

FHA loans offer low down payment options and the ability to use gift funds for down payment and closing costs.

VA loans are partially guaranteed by the VA, so private lenders can provide better terms like 100% loan-to-value without mortgage insurance and no down payment in most cases.*

Jumbo Loan

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You are in the market for a higher priced home.

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

SilverKey available for single family attached and detached, condos and Planned Unit Developments (PUDs).

GoldKey exclusive to Key Private Bank clients and for up to 90% LTV to $1 million with no PMI required.

Combination

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You have funds for a 10% down payment.

You'll have 2 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)

Community & Professional

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You qualify based on income, location or profession.

Community loans may offer low down payments.

Professional loans are tailored to financial realities of doctors and dentists.

State Bond

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You are qualified as a first time home buyer in the state.

Various programs with features including competitive rates.

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