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Unlock a World of Options

Whether the path to your dream home includes a renovation, a smart refinance, or a fresh start, you can use KeyBank to get there.

Use the red key® to Make Your Way Home

We’re available by phone or in a branch to answer questions, learn about your goals and discuss how to reach them.

Manage your loans or lines with security and ease, anytime in online and mobile banking

With KeyBank, you gain all the resources, experience and protection of working with one of the nation’s largest financial services businesses.

How Do You Want to Move Forward?


Renovate and Remodel

Home Equity Line of Credit

  • Revolving credit allows you to borrow against your home equity, repay and borrow again
  • Up to a 15-year draw period, longer than most competitors
  • Flexible payment options, including principal and interest, interest-only, or fixed-rate
  • Interest paid may be tax-deductible (consult your tax advisor)
  • Loans start at $10,000, so it’s a great option for renovations and major improvements

Plus, apply by June 30, 2019 and you could earn a rate discount of up to 0.50% when you have a KeyBank deposit account and establish ACH payments - and we'll waive your annual fee for the first year.1

Home Equity Loan

  • Fixed payment throughout the life of the loan, so budgeting is easier
  • Fixed rate and term
  • No private mortgage insurance (PMI) required
  • Interest paid may be tax-deductible (consult your tax advisor)
  • Great option for larger purchases such as home remodeling or major repairs

Plus, apply by June 30, 2019 and get up to a 0.50% rate discount when you have a KeyBank deposit account and establish ACH payments - and we'll waive your origination fee.2

Home Improvement Loan

  • Quick and simple, without equity, collateral or appraisal needed
  • Funds available as fast as the same-day3
  • Flexible terms of up to 84 months4
  • Sign your loan documents easily and securely online with E-Sign5
  • With loans starting at $5,000, you can get the amount you need without overborrowing

Apply by June 30, 2019 and receive a 0.50% rate discount off posted rates when you have a KeyBank deposit account and establish ACH payments. Plus, no origination fee.4

Refinance

Mortgage Refinance Loans

  • Refinance your mortgage by paying off your existing loan and replacing it with a loan that will help you reach your goals
  • Use a cash-out refinance to leverage your home equity and get money to pay off high-interest debt
  • Gain a lower interest rate or decrease your monthly mortgage payment, so more money is available for other expenses
  • Talk to a banker to have all your refinancing questions answered

Save thousands over the life of your loan. Get a .25% interest rate discount6 7 on your mortgage when you bank with KeyBank.

Learn More About Refinance Options

Buy a Home

Mortgages

  • With the right home loan, you can invest in a home and keep your financial plans on track
  • KeyBank has mortgages for every need, including conventional, combination, affordable and government-backed loans, as well as loans specifically geared toward medical professionals

Save thousands over the life of your loan. Get a .25% interest rate discount6 7 on your mortgage when you bank with KeyBank.

Learn More About Buying a Home

Explore All Your Options

For questions or to explore your options in detail, we’re here to help. Talk to a banker to take the next step on your financial wellness journey.

Schedule an Appointment

Disclosures

1

Offer available for applications received 4/1/19 to 6/30/19. Home Equity Lines of Credit in the second or third lien position with a minimum commitment amount of $25,000 may be eligible for a 0.50% rate discount and a waiver of the $50 annual fee for the first year of the draw period. May be combined with one other eligible discount. In order to qualify, a KeyBank deposit account and ACH payments must be established prior to closing. To prevent closing delays, these should be established prior to final application approval. Key to Key refinances (excluding end of draw Home Equity Lines of Credit refinancing with an application received within 365 days of the current end of draw date on the existing Home Equity Line of Credit) are excluded. In an eligible end of draw transaction, other Key-to-Key refinances may be included. Other Key-to-Key refinances include credit cards and other secured and unsecured debt. Line increases and modifications are not eligible. Pre-Approved offers and KEO Fixed Rate Options are not eligible for this offer.

Home Equity Lines of Credit in the first lien position with a minimum commitment amount of $50,000 may be eligible for a 0.25% rate discount and a waiver of the $50 annual fee for the first year of the draw period. May be combined with one other eligible discount. In order to qualify, a KeyBank deposit account and ACH payments must be established prior to closing. To prevent closing delays, these should be established prior to final application approval. Key to Key refinances (excluding end of draw Home Equity Lines of Credit refinancing with an application received within 365 days of the current end of draw date on the existing Home Equity Line of Credit) are excluded. In an eligible end of draw transaction, other Key-to-Key refinances may be included. Other Key-to-Key refinances include credit cards and other secured and unsecured debt. Line increases and modifications are not eligible. PreApproved offers and KEO Fixed Rate Options are not eligible for this offer.

Subject to credit approval. Variable rates for the home equity line of credit are based on The Wall Street Journal Prime Rate (Prime) and are as low as Prime -1.00% (4.50% APR as of 4/1/19. Rates may not exceed a maximum of 18.00% APR. Your actual rate will be determined by product and credit qualifications.

Hazard and, if applicable, flood insurance is required on collateral property. Certain collateral restrictions apply. Lines above $500,000.00 secured by real estate pay title insurance premium. Lines of credit over $500,000 in New York and certain designated out of footprint states pay mortgage tax ranging from $0.50 to $2.80 per $100 total line amount. All Florida lines of credit pay documentary stamp and intangible tax of $0.55 per $100 total line amount. Up to three fixed rate options are available. A fee of $50.00 applies for each fixed rate option advanced. A fee of $50.00 applies if a Fixed Rate Option is unlocked.

Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.

REIMBURSEMENT OF LENDER PAID COSTS: IF YOU VOLUNTARILY CLOSE YOUR LINE OF CREDIT AND TERMINATE YOUR ACCOUNT WITHIN 36 MONTHS OF THE DATE YOU SIGN THE AGREEMENT, YOU WILL REIMBURSE KEY FOR BONA FIDE FEES IT PAID TO THIRD PARTIES ON YOUR BEHALF IN CONNECTION WITH THE OPENING OF YOUR ACCOUNT. THESE FEES MAY INCLUDE COSTS OF APPRAISAL, TITLE, FLOOD AND, IF APPLICABLE, MORTGAGE TAX. ADDITIONAL INFORMATION IS PROVIDED IN THE FINANCIAL INFORMATION DISCLOSURE IN YOUR APPLICATION KIT. THE AMOUNTS ALSO WILL BE ITEMIZED IN YOUR KEY EQUITY OPTIONS AGREEMENT. THIS PROVISION WILL NOT APPLY TO THE EXERCISE OF ANY APPLICABLE RIGHT TO CANCEL OR RESCIND UNDER THE FEDERAL TRUTH IN LENDING ACT OR REGULATION Z.

2

Offer available for applications received 4/1/19 to 6/30/19. Home Equity Loans in the second or third lien position with a minimum loan amount of $25,000 may be eligible for a0.50% rate discount and a waiver of the applicable origination fee. May be combined with one other eligible discount. In order to qualify, a KeyBank deposit account and ACH payments must be established prior to closing. To prevent closing delays, these should be established prior to final application approval. Key to Key refinances are excluded. End of draw transactions are excluded. Specialty loan programs (Heritage, HELP, Ecolink, etc.) are excluded. Pre-Approved offers and KEO Fixed Rate Options are not eligible for this offer.

Home Equity Loans in the first lien position with a minimum loan amount of $50,000 may be eligible for a0.25% rate discount and a waiver of the applicable origination fee. May be combined with one other eligible discount. In order to qualify, a KeyBank deposit account and ACH payments must be established prior to closing. To prevent closing delays, these should be established prior to final application approval. Key to Key refinances are excluded. End of draw transactions are excluded. Specialty loan programs (Heritage, HELP, Ecolink, etc.) are excluded. Pre-Approved offers and KEO Fixed Rate Options are not eligible for this offer.

Typical loan payment examples are as follows: If you borrow $50,000 secured by an owner occupied home, for 120 months at 4.75% APR, the monthly payment would be $524.24 or If you borrow $25,000 secured by an owner occupied home, for 60 months at 5.25% APR, the monthly payment would be $474.65. Non-owner occupied financing is also available.

Hazard and, if applicable, flood insurance is required on collateral property. Certain other collateral restrictions apply.

Loans above $500,000.00 secured by real estate pay title insurance premium. Loans above $500,000.00 secured by real property in NY or FL pay mortgage tax and doc stamps. A closing fee of $100 – $400 may apply if closing is performed by a closing agent.

REIMBURSEMENT OF LENDER PAID COSTS: IF YOU VOLUNTARILY PREPAY YOUR LOAN IN FULL AND TERMINATE YOUR ACCOUNT WITHIN 36 MONTHS AFTER YOU SIGN THE NOTE, YOU WILL REIMBURSE KEY FOR BONA FIDE FEES IT PAID TO THIRD PARTIES ON YOUR BEHALF IN CONNECTION WITH THE OPENING OF YOUR ACCOUNT. THESE FEES MAY INCLUDE COSTS OF APPRAISAL, TITLE, FLOOD AND, WHERE APPLICABLE, MORTGAGE TAX. THE FEES ARE SHOWN AS ITEMIZED ESTIMATES ON YOUR LOAN ESTIMATE PROVIDED TO YOU WITHIN THREE (3) DAYS OF YOUR APPLICATION, AS FINAL ITEMIZED AMOUNTS ON YOUR CLOSING DISCLOSURE SENT TO YOU AT THE TIME OF FINAL LOAN APPROVAL AND AS ITEMIZED AMOUNTS IN YOUR FIXED RATE NOTE. THIS PROVISION WILL NOT APPLY TO THE EXERCISE OF ANY APPLICABLE RIGHT TO CANCEL OR RESCIND UNDER THE FEDERAL TRUTH IN LENDING ACT OR REGULATION Z, OR IF THE TERM OF THE LOAN IS 36 MONTHS OR LESS.Funds may be available as fast as same business day of application under the following conditions: (1) loan amount less than $30,000 and 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 2:00pm EST on a day that the bank is open for business. Additional conditions may apply. All credit products are subject to credit approval and other program terms.

3

Funds may be available as fast as same business day of application under the following conditions: (1) loan amount less than $30,000 and 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 2:00pm EST on a day that the bank is open for business. Additional conditions may apply. All credit products are subject to credit approval and other program terms.

4

Offer available on Home Improvement applications received 4/1/19 to 6/30/19. Key to Key refinances, specialty home improvement loan programs (Eco Link, HELP, and Heritage) are not eligible for this offer. Offer may be combined with one additional relationship discount that you are eligible for. ACH payments and a KeyBank deposit account required to be established prior to closing. Applications submitted or resubmitted after 6/30/19 are not eligible. For qualifying applications, KeyBank will reduce the assigned interest rate by 0.50%. For loan terms greater than 60 months, KeyBank will add 0.25% to the stated APR.

As an example, if you borrow $15,000 for 60 months and qualify for Key’s average “As Low As” rate of 7.79%, the final rate could be “As Low As” 7.29% APR and a monthly payment of $299.07. The example APR includes the 0.50% promotional APR discount plus a 0.25% discount for electing to have your monthly payments automatically deducted from a KeyBank checking or savings account. Finance charges are calculated on a daily simple interest basis using the actual number of days in a year. If the loan is paid off in the first 18 months, there will be a $150.00 Early Termination Fee for prepayment.

5

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

6

To receive the 0.25% relationship discount, borrower must be a KeyBank client and own an eligible checking AND savings account with KeyBank. An eligible checking account includes those deposit accounts designated as checking accounts by KeyBank or the KeyBank Hassle-Free Account®. An eligible savings account includes those deposit accounts designated as savings accounts by KeyBank, certificates of deposit, individual retirement accounts, or investment accounts offered through Key Investment Services LLC (KIS).

7

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.

Relationship discount is not available for state bond programs (i.e., SONYMA in New York). Other product restrictions may apply. May not be combined with any other offers or discount programs. Not available on home equity loans or home equity lines of credit.

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

To apply for the Key Equity Options Line of Credit, Home Equity Loan, or Unsecured Home Improvement 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 a credit bureau to investigate the information on the application. Home Equity Line of Credit or Home Equity Loan applicants must live within any one of the United States except the following: AL, AZ, CA, DC, NV, or TX. For subject properties outside of AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA, call 1-800-KEY2YOU (1-800-539-2968) for product information or to submit an application. Unsecured Home Improvement Loan applicants must live within the following states: AK, CT, CO, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.

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.

Key.com is a federally registered service mark of KeyCorp.

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