We all have a lot of voices in our head when it comes to money. And when it comes to big money—buying a house money—it’s important that you feel like you’re making the right decision. When you work with Key, you get a dedicated loan officer who answers every question, uncovers solutions and works to make sure you have a home loan that fits your life. Because whether you’re buying, refinancing or taking out home equity, we won’t feel at home until you do.
We’ll help you find the right loan, and a great rate to go with it.
We do everything we can for our clients. That means we give you options for whatever you’re planning—whether that’s buying a home, refinancing or taking advantage of your equity. And, when you have KeyBank checking and savings accounts, your loan can come with a .25% interest rate discount.1 2
We have fixed and adjustable rates, low down payment options, jumbo loans, and loans for veterans, medical professionals and more, all at a great rate.
When rates dip or your personal finances change, it might be a good time to refinance your mortgage to save money or get cash out for other expenses. We can help you decide what makes sense for you.
Home equity options
When you have equity in your home, it can make sense to use it to remodel, consolidate debt or pay large expenses. See whether a home equity loan or line of credit makes sense for you.
Whatever you’re planning, we’ll make the banking part as easy as possible.
We have mortgage loan officers ready to answer questions and get you started.
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.
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.
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.
Investment products made available through KIS are:
KIS and KeyBank are separate entities, and when you buy or sell securities you are doing business with KIS and not KeyBank.