Making that exciting move? KeyPoint's Home Loan Officers provide the expertise and guidance you need to navigate every step of the process.
At KeyPoint, work with a Member-owned, not-for-profit credit union and get:
- Competitive rates on fixed and adjustable-rate loans
- Grants for down payment assistance available for qualified applicants
- Local mortgage operations, so you always get a quick close—often 30 to 60 days faster than the national lenders2
- Contactless process, easily upload documents and e-sign
- Reliable servicing—make payments to KeyPoint
Here's what you'll need to qualify for a home loan:
- Employment History
- Minimum two years of work history in the same field to validate a stable and consistent income stream
- Credit History
- Minimum two years' credit history to validate you're able to manage debt over a long period of time
- Credit Score
- Minimum score requirement of 700
- Down Payment
- Loans available with as low as 3% down3
1Appraisal offer subject to change without notice. Loan must be secured by an owner-occupied, second home or investment property detached SFR, PUD (1 unit), condo or manufactured home. Max loan amount $766,550. Current rates and terms available at www.kpcu.com/checkrates. All loans subject to credit approval. Current unlocked leads/loan applications in KeyPoint pipeline are not eligible. Members with active mortgage applications in the KeyPoint pipeline in which the interest rate is locked are not eligible.
2Your actual close date depends on the seller’s timeline (for purchases) and other factors.
3To lock in the best rate and terms, you’ll need 20% of the purchase price as a down payment; however, there are loans available as low as 3% down, and sometimes gifts from relatives are allowed for some of the down payment.