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 lenders1
  • 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% down2

1Your actual close date depends on the seller’s timeline (for purchases) and other factors.
2To 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.