KeyDirect® Mortgage Options
Simplify your mortgage process
We understand how important home ownership is to you. That's why KeyDirect has knowledgeable professionals available to help you find a mortgage that meets your needs. We offer competitive rates and great service.
KeyDirect offers several different kinds of mortgage loans through KeyBank NA.
Purchase, which includes:
Fixed Rate Mortgage
- Ideal for primary residences, second homes and investment property
- Predetermined interest rate and payment schedule
- Down payments as low as 5%
- A variety of terms available
Adjustable Rate Mortgage
- Initially lower interest rates; payments may change at specified periods of time
- Down payments as low as 5%
- Finance primary residences, second homes and investment property
Construction Loan
- One time closing
- No mortgage insurance (PMI)
- Gifted property eligible
- Now available in Nevada
First-time homebuyers - My Community 100 Plus, Flex 97, Flex 100
- Down payments as low as 3%, which can come in the form of a gift, grant, or a secured or unsecured loan
- Flexible underwriting guidelines
- Finance all or part of your points and closing costs into your loan
- A variety of terms available
Refinancing
We also offer a variety of refinancing options. A KeyDirect TeleMortgage Advisor can help you find the one that's right for you.
Start the Application Process
Apply now to see if you are eligible for an instant pre-approval through our online application. Pre-approval is available for Fixed Rate Mortgage and Adjustable Rate Mortgage products. Pre-qualification is also available, so you know how much you can spend before you decide on the home you want.
Disclaimers
All credit products are subject to credit approval.
To apply you must:
- Be 18 years of age or older
- Live within any state EXCEPT the following: AL, DC, LA, MS, ND, SD, TX, WV
- Agree to provide additional personal and business information if requested, such as tax returns and financial statements.
- Certify that all information submitted in the application is true and correct.
- Authorize the bank and or a credit bureau to investigate the information on the application.
Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.