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a better home starts here, with a better home improvement loan.

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Our clients get special discounts on home improvement loans, home equity lines of credit, home equity loans, and mortgage refinancing.

If you’re a KeyBank client, you have a ticket to special interest rate discounts on loans for home improvement projects. We know that when it comes to opening a home improvement loan, taking out home equity or refinancing, great rates are as important as feeling confident you’re making the right decisions. We’ll help you do both.

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Home Improvement Loans

Our home improvement loans are fast, affordable and easy to apply for, so you can get started with updates and renovations as soon as possible.

  • .50% interest rate discount1 for qualified applicants
  • Unsecured, meaning no equity, appraisal or collateral is needed
  • Extended terms, up to 84 months, will keep your payment manageable2
  • Competitive fixed interest rates
  • Loans start at $5,000, with no origination fee
  • Funds can be available as soon as the same day you sign3
  • Quick, easy E-sign loan closing4
Apply Now Rates & Fees

Home Equity Line of Credit

This convenient line of credit is great for funding larger home improvement projects, like a new addition or kitchen remodel.

  • .25% interest rate discount when you have KeyBank checking and savings accounts5 6
  • Continuous access to credit, based on available equity
  • Low variable rates, with options to lock in fixed rates and payments to avoid rising interest rates
  • Flexible payment options including fixed and interest-only
  • Loans start at $10,000
Apply Now Rates & Fees

Home Equity Loan

Use this loan to fund larger purchases such as a full home remodel or major home repairs.

  • .25% interest rate discount when you have KeyBank checking and savings accounts5 6
  • Maximum loan amount determined by the equity you’ve accumulated
  • Fixed rate and set monthly payments for easy budgeting
  • Loans start at $25,000
Apply Now Rates & Fees

Cash Out Mortgage Refinance

Refinance your existing mortgage to take cash out and complete your home renovation projects with one loan.

  • .25% interest rate discount when you have KeyBank checking and savings accounts5 6
  • Possibly get a lower interest rate on your existing mortgage
  • Deduct mortgage interest from taxes, make sure to consult your tax advisor
  • Longer repayment terms available, for more manageable monthly payments
  • Loans as low as $25,000
Contact Us Rates & Fees

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All credit products are subject to credit approval.

1

To receive the 0.50% interest rate discount, the borrower must be the owner on a KeyBank deposit account at the time of origination. Deposit account service charges apply. Minimum loan amount of $15,000 required.

2

The APRs assume use of the bank’s optional automatic payment deduction plan from a KeyBank checking or savings account at time of account origination. Add 0.25% to the stated rate when an automatic deduction plan is not established from a KeyBank checking or savings account. Normal checking or savings account service charges apply. Please refer to specific account disclosures for details. The actual rate and payment amount may vary, and is determined by the product, term, loan amount, and your credit qualifications. If the loan is paid off in the first 18 months, there will be a $150.00 penalty fee assessed unless the loan term is 18 months or less. For loan terms greater than 60 months, you must meet additional credit requirements and KeyBank will add 0.25% to the stated APR.

As an example, if you were to borrow $25,000 for 84 months and qualify for Key’s as-low-as rate of 9.30% APR as of 4/1/21, your monthly payment would be $406.04. The APR may vary based on the state of residence. The 9.30% APR is an average APR charged by KeyBank across Key’s footprint (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK) and includes a 0.25% discount for electing to have the monthly payment automatically deducted from a KeyBank Checking or Savings Account, a 0.50% deposit relationship discount, plus 0.25% is added for electing a term greater than 60 months.

2

Funds may be available as fast as same business day of application under the following conditions: (1) certain underwriting criteria are met including, but not limited to, credit score; (2) loan funding does not require third-party payoff(s); (3) funds are deposited directly into a KeyBank account; and (4) complete loan signing by 2:00 p.m. ET on a day that the bank is open for business. Income verification may be required, which may delay availability of funds. Additional conditions may apply. All credit products are subject to credit approval and other program terms.

4

E-Sign is only available for applications submitted at a KeyBank branch. E-Sign is not available for online applications.

5

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.

6

For fixed-rate mortgages and home equity loans, the 0.25% interest rate discount is a permanent rate reduction that will be reflected in the Promissory Note interest rate. For adjustable-rate mortgages, the 0.25% interest 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. For home equity lines of credit, the 0.25% interest rate discount will be applied to the margin, thereby reducing the applicable variable annual percentage rate (consisting of applicable index plus margin) for the duration of the line of credit. Interest rate discount may not be available for all products. May be combinable with other offers. Ask us for details

For Home Equity Line of Credit:

Reimbursement of Lender Paid Costs: If you voluntarily close your line of credit within 36 months of the date you sign the agreement, you will reimburse KeyBank for bona fide fees it paid to third parties on your behalf in connection with the account opening and as provided in your Agreement.

For Home Equity Loan:

Reimbursement of Lender Paid Costs: If you voluntarily prepay your loan in full within 36 months of the closing date, you will reimburse KeyBank for bona fide fees it paid to third parties on your behalf in connection with the loan closing and as provided in your Promissory Note.

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

To apply for the Home Equity Line of Credit, Home Equity Loan or Personal Loan, you must: (1) Be 18 years of age or older; (2) Agree to provide additional personal and business information, if requested, such as tax returns and financial statements; (3) Certify that all information submitted in the application is true and correct; and (4) Authorize the bank/and or credit bureau to investigate the information on the application. Home Equity Line of Credit applications must live within any one of the United States except the following: AL, DC, or TX. For subject property outside of AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA call 1-888-KEY-0018 (1-888-539-0018) for product information or to submit an application. For Home Equity Loan or Personal Loan applicants must live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.

*

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.