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Estimated Mortgage Refinance Payment Details

Information to help you plan your budget.

See how refinancing can help your budget. These sample rates will give you an idea of what your mortgage payments might be. For a more accurate estimate based on your personal finances and goals, contact us.

Compare Mortgage Refinance Rates

Where is your home located?

Mortgage refinance interest rates for KeyBank clients in Alaska
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.936% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.152% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.414% 360 5.625% $1,439.14
276 7.250% $1,637.14
5/6 mo. Adjustable Rate* 5.625% 0.135 6.603% 360 5.625% $1,439.14
300 7.250% $1,655.74

Mortgage refinance interest rates for KeyBank clients in Colorado
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.974% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.215% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,625.91
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,646.01

Mortgage refinance interest rates for KeyBank clients in Connecticut
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.948% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.173% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,633.48
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,652.57

Mortgage refinance interest rates for KeyBank clients in Idaho
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.942% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.162% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.414% 360 5.625% $1,439.14
276 7.250% $1,635.4
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,654.24

Mortgage refinance interest rates for KeyBank clients in Indiana
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.956% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.186% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,631.16
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,650.56

Mortgage refinance interest rates for KeyBank clients in Maine
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.952% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.179% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,632.38
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,651.62

Mortgage refinance interest rates for KeyBank clients in Massachusetts
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.948% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.173% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,633.48
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,652.57

Mortgage refinance interest rates for KeyBank clients in Michigan
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.958% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.188% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,630.72
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,650.18

Mortgage refinance interest rates for KeyBank clients in New York
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.957% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.187% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,630.88
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,650.31

Mortgage refinance interest rates for KeyBank clients in Ohio
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.964% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.198% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,628.9
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,648.6

Mortgage refinance interest rates for KeyBank clients in Oregon
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.952% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.179% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,632.38
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,651.62

Mortgage refinance interest rates for KeyBank clients in Pennsylvania
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.965% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.201% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,628.46
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,648.22

Mortgage refinance interest rates for KeyBank clients in Utah
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.950% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.176% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,632.87
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,652.05

Mortgage refinance interest rates for KeyBank clients in Vermont
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.958% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.189% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,630.56
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,650.04

Mortgage refinance interest rates for KeyBank clients in Washington
Last updated at 12:00 PM ET on Thursday, February 2, 2023

Mortgage Type Interest Rate Points APR Estimated Principal and Interest Payments
# of Months Rate Amount
30 Fixed Rate 5.875% 0.045 5.959% 360 5.875% $1,478.84
15 Fixed Rate 5.000% 0.388 5.191% 180 5.000% $1,976.98
7/6 mo. Adjustable Rate* 5.625% 0.198 6.413% 360 5.625% $1,439.14
276 7.250% $1,630.26
5/6 mo. Adjustable Rate* 5.625% 0.135 6.602% 360 5.625% $1,439.14
300 7.250% $1,649.78

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien rate/term refinance mortgage loan amount of $250,000 for a single-family, owner-occupied residence with a maximum loan-to-value ratio of 75%, a 0.25% interest rate discount 1 2 for a qualified client with automatic payments from an eligible KeyBank checking account, mortgage rate lock period of 60 days, with an excellent credit profile including a FICO score of 740 or higher, and a debt-to-income ratio of 36% or lower. Your actual rate may be higher or lower than those shown based on information relating to these factors as determined after you apply. Payment amounts shown consist of principal and interest, and do not include amounts for taxes and insurance. Your actual monthly payment obligation may be greater.

For your personalized rate quote, contact a Mortgage Loan Officer.

*Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 mo. ARM, 7 years for a 7/6 mo. ARM) and assume a 30-year repayment term.

FHA, VA and other mortgage loan terms and programs are available.

Mortgage Terms & Conditions:
The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown is based on interest rate, points and certain estimated finance charges. Your actual APR may be different.

Points, also known as discount points, are an amount paid at closing to the lender to lower your interest rate. One point equals one percent of the loan amount. Negative points reflect an amount the lender will pay to you at closing, also known as a lender credit.

Let’s Get Started

Ask questions, compare interest rates and explore your options to see if a mortgage refinance is right for you.

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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. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed.

NMLS# 399797

1

Borrower may choose to take advantage of the offered 0.25% interest rate discount by electing to enroll in automated recurring mortgage payments from an eligible KeyBank checking account. An eligible checking account includes those consumer deposit accounts designated as checking accounts by KeyBank or the KeyBank Hassle-Free Account®. Borrower may open eligible KeyBank checking account to qualify for the interest rate discount. Normal checking account service charges apply. Refer to specific checking account disclosures for details. Authorization agreement to automatically debit mortgage payments from a KeyBank deposit account must be signed and completed prior to loan closing.

2

For fixed-rate mortgages, the 0.25% rate discount is a permanent interest rate reduction that will be reflected in the Promissory Note interest rate. For adjustable-rate mortgages, the 0.25% rate discount will apply to the initial fixed interest rate period and will be reflected in the maximum amount the interest rate can increase over the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note.

Interest rate discount may not be available for all products. May be combinable with other offers. Ask us for details.

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1-888-KEY-0018

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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Schedule and Appointment

Talk to a Mortgage Loan Officer in your neighborhood.

Schedule an appointment now

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Call Us

1-888-KEY-0018

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Contact Us Icon

Schedule and Appointment

Talk to a Mortgage Loan Officer in your neighborhood.

Schedule an appointment now