get ahead using the equity in your home.
Save more with the Key Opportunities Home Equity Loan.®
Your home’s equity. At your fingertips.
A Key Opportunities Home Equity Loan1 can help you consolidate debt2, make big purchases or renovations, or refinance your home. Even if your current mortgage is with another bank. Talk with our licensed Mortgage Loan Officer to get started on your application and see if you’re eligible for the Key Opportunities Home Equity Loan.
Benefits of a Key Opportunities Home Equity Loan
- Available even if your mortgage isn’t with Key
- Borrow up to 80%3 of your home’s value, with loan amounts of $25,000–$100,000
- Fixed-rate, one-time distribution loan with no origination fee
- Up to 3% rate reduction
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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. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed.
1
Loan features reduced interest rate and no origination fees. Available on existing primary residence and loans up to $100,000. First or second lien only. Loan must close in a branch. Property must be located in an eligible community in KeyBank's retail footprint. Additional terms or restrictions may apply. Ask us for details.
To apply for a home equity loan, you must:
- Be 18 years of age or older
- Live within the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
- 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 Disclosures. If you applied for your credit account online within the last 90 days, you may also review the original disclosures provided to you.
2
By refinancing, you may pay more in costs and interest over the life of the loan. Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.
3
Loan-to-value ratios apply only to loans secured by owner-occupied real estate.
NMLS #399797 Equal Housing Lender.