Sign On
  • Online Banking
    Sign On Form is Loading

If you’re ready to become a homeowner in New York, KeyBank state bond program has financing solutions to help you. Low down payments, low interest rates and high finance limits mean you’ll be walking through your own front door soon.

Overview

Purchaser Qualification

Income based for properties in New York

Loan to Value (LTV)

Up to 97% for 1-2 units; Up to 90% for 3-4 units

Interest Rate

Fixed

Down Payment

As low as 3%

Features

  • Finance up to 97% of the home’s value--up to $453,100; and up to 90% of the value of three and four unit properties
  • 120-day interest rate lock periods available for existing housing and completed new construction
  • Low interest rates and low down payments make home buying accessible

Disclosures

1

First-time homebuyer is defined by SONYMA as not owning your primary residence during the past three years. First-time homebuyer requirement is waived for eligible military veterans and may be waived for applicants who purchase a home in a Federally Designated Target Area.

Available for homes located in New York only. All SONYMA mortgage programs require borrowers to meet certain household income and purchase price/appraised value limits. For more information, visit www.sonyma.org.

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 and products are available in all states. NMLS#399797

Buying a Home

Buying a New Home vs. Remodeling: What's the Best Option for You?

Deciding between buying a new home and updating your current one with a large remodel can be difficult. Here are a few questions to ask yourself before deciding which decision is best for you.

October 2018 Buying a New Home vs. Remodeling: What's the Best Option for You?
Buying a Home

Tips for Saving Money While Buying a House

Whether you're ready to purchase you first house or your forever home, maximize your investment and save money with these house buying tips.

July 2017 Tips for Saving Money While Buying a House
Mortgage Calculators

Mortgage Payoff Calculator

Find out how much interest you can save by increasing your monthly mortgage payment and paying your mortgage off more quickly.

Mortgage Payoff Calculator

Call Us

1-800-KEY2YOU®

TDD/TTY (Hearing Impaired):
1-800-539-8336

Schedule an Appointment

Talk to a Mortgage Loan Officer in your neighborhood.

Schedule an appointment now

Find a Branch or ATM