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Settle in to the home you’ve earned, with a Veterans Affairs (VA) mortgage from KeyBank that offers no down payment options with no private mortgage insurance (PMI).


Overview of product features.
Purchaser Qualification

VA Certificate of Eligibility

Loan to Value (LTV)

100% for purchases
90% for rate/term or cash-out refinances
105% for interest rate reduction refinance loan

Interest Rate


Down Payment

Little or none; may use gifted funds

Private Mortgage Insurance (PMI)

Not required


  • Flexible qualification standards and competitive interest rates
  • Ability to finance the VA funding fee
  • Available to veterans, service members and eligible surviving spouses
  • Seller contributions are permitted for 100% of closing costs and 4% of the purchase price toward prepaid costs
  • Available for one to four unit owner-occupied properties including single-family, attached or detached, condos or planned unit developments

Contact Us

We'll walk you through your options. With your rates, terms and benefits in hand, you'll have everything you need to take the next step.

Ask questions, explore your options. Call us or schedule a time to have us call you.


TDD/TTY: 1-800-539-8336
Mon-Fri: 8:00 a.m. – 8:00 p.m. ET
Sat: 9:00 a.m. – 3:00 p.m. ET

Meet with a mortgage loan officer near you.


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


KeyBank clients can get a .25% interest rate discount.

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