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When rates dip or your personal finances change, it could be a good time to refinance your mortgage. Depending on your situation, you might use a new mortgage to get cash out or to gain a lower interest rate with lower monthly payments or a shorter term. Your KeyBank mortgage loan officer will talk you through all of your options, so you’ll always know exactly what to expect.

You’ve got options

There’s more than one way to refinance your mortgage. At KeyBank, they both come with competitive rates, a .25% interest rate discount for eligible clients1 2 and expert mortgage loan officers to guide you through every step.

Rate-and-term refinance

Take out a mortgage with more favorable terms so you can save money with a lower interest rate or a shorter loan length.

Cash-out refinance

Take out a larger mortgage amount than you currently owe so you can access your equity in cash to use for whatever you need, from renovations and major expenses to paying off debt.

Current Mortgage Refinance Rates

Where is your home located?

Today’s mortgage refinance interest rates for KeyBank clients in Alaska
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.216%
15 Fixed Rate2.875%3.000%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Colorado
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.263%
15 Fixed Rate2.875%3.085%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Connecticut
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.231%
15 Fixed Rate2.875%3.028%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Idaho
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.223%
15 Fixed Rate2.875%3.013%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Indiana
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.241%
15 Fixed Rate2.875%3.045%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Maine
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.236%
15 Fixed Rate2.875%3.036%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Massachusetts
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.231%
15 Fixed Rate2.875%3.028%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Michigan
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.243%
15 Fixed Rate2.875%3.048%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in New York
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.242%
15 Fixed Rate2.875%3.047%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Ohio
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.250%
15 Fixed Rate2.875%3.062%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Oregon
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.236%
15 Fixed Rate2.875%3.036%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Pennsylvania
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.252%
15 Fixed Rate2.875%3.065%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Utah
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.234%
15 Fixed Rate2.875%3.032%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage interest refinance rates for KeyBank clients in Vermont
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.243%
15 Fixed Rate2.875%3.050%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Today’s mortgage refinance interest rates for KeyBank clients in Washington
Rates effective as of 11:00 AM ET on Tuesday, September 22, 2020

Mortgage TypeInterest RateAPR
30 Fixed Rate3.115%3.245%
15 Fixed Rate2.875%3.052%
7/6 mo. Adjustable Rate*2.875%2.843%
5/6 mo. Adjustable Rate*2.875%3.040%

What to know about the above mortgage refinance rates:

Rates shown are based on a conforming, first-lien position, rate-and-term refinance mortgage loan amount of $175,000 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 eligible KeyBank checking and savings or investment accounts, mortgage rate lock period of 90 days, 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.

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.

Interested in buying a home? View our purchase mortgage rates.

Let’s Get Started

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

Call us or have us call you.

1-888-KEY-0018

TDD/TTY: 1-800-539-8336
Weekdays 8:00 a.m. – 8:00 p.m. ET
Saturdays 9:00 a.m. – 3:00 p.m. ET

Meet with a mortgage loan officer near you.

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Frequently Asked Questions

What is a mortgage refinance?

A refinanced mortgage gives a homeowner a new mortgage loan to replace the existing one. The amount, rate and term of the new loan can be tailored to the homeowner’s needs. You can refinance to have a lower monthly mortgage payment, take out cash for home improvements or other expenses, and more. Learn more about refinancing a house.

How do I get a cash-out refinance for home improvements or other major expenses?

If you have equity in your home, you may be able get cash out when you close your loan. A KeyBank mortgage loan officer will be able to tell you more about whether a mortgage refinance or home equity loan or line would better meet your needs.

Refi Checklist

Mortgage Refinancing Application Checklist

Home Loans & Lines

Get a .25% Interest Rate Reduction, Just for KeyBank Clients

Home Ownership

When Should I Refinance My Mortgage?

Here's what you need to know to make an informed decision about refinancing.

September 2019 When Should I Refinance My Mortgage?

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.

NMLS# 399797

1

To receive the 0.25% interest rate discount, borrower or members of borrower’s household must have an eligible checking AND savings account with KeyBank. A borrower’s household includes individuals and organizations that share an address and/or a familial or business relationship with the borrower. An eligible checking account includes those consumer deposit accounts designated as checking accounts by KeyBank or the KeyBank Hassle-Free Account®. An eligible savings account includes those consumer deposit accounts designated as savings accounts by KeyBank, Health Savings Accounts, certificates of deposit, individual retirement accounts or investment accounts offered through Key Investment Services LLC (KIS).* A business checking or savings account where the borrower is designated as the business owner may also be eligible. Borrower may open eligible KeyBank accounts to qualify for the interest rate discount. Normal checking and savings account service charges apply. Refer to specific checking or savings account disclosures for details.

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. Ask us for details.

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.

*

Investment products offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. KIS is affiliated with KeyBank National Association (KeyBank).

Investment products made available through KIS are:

NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

KIS and KeyBank are separate entities, and when you buy or sell securities you are doing business with KIS and not KeyBank.

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