Home Loans

Open the door to your dream home

Whether you’re buying your first home, moving across town or looking for a larger place for your family, KeyPoint offers a variety of mortgage options with competitive rates. Our experienced lending team will explain the features of each loan and assist you during the application process.

  • Fixed-rate loans: Offers long-term financial stability, as your interest rate and monthly payment will stay the same over the length of the loan.
  • Adjustable-rate mortgage: Lower initial rates help maximize buying power and reduce monthly payments. ARMs come with fixed rates for the first 3, 5, 7 or 10 years - depending on the loan - and rates are then adjusted periodically thereafter.
  • High-balance conforming loans: Borrow up to 95% of a home’s assessed value, with loans up to $726,525. (Mortgage insurance may be required if you finance more than 80% of the property value.)
  • Jumbo loans: Buyers looking for larger homes or moving to more expensive neighborhoods can borrow up to $2.5 million. High-dollar refinances with cash-out options are also available.

 

  • Date of birth
  • Social Security number
  • Valid email address and contact phone number
  • Current home address (plus previous address, if you have lived at your current residence for less than two years)
  • Estimated market value of the property you are trying to finance
  • Name and address of current employer (plus name and address of previous employer if you have been at your current job for less than two years)
  • All credit obligations and expenses, including housing, child support, credit card payments, loan payments, etc.
  • All asset information, including the value of all of your accounts: checking, savings, investments, retirement, etc.
  • Gross income total, which can include secondary income sources. You do not need to list alimony, child support, or separate maintenance agreements if you do not want to have that income taken into consideration

If you're buying a home, you'll also need:

  • Address of your prospective home
  • Estimated purchase price of your prospective home and closing date
  • Estimated down payment amount
  • Estimated annual property tax, insurance, or any homeowner's association dues

If you're refinancing a home, you'll also need:

  • The year your home was purchased
  • Original purchase price
  • Original loan amount and the total outstanding balance on that loan and any other loans secured by your property
  • Current estimated property value
  • The total amount you wish to borrow

Potentially save thousands of dollars by merging your mortgage loan and checking account.

  • Your paycheck gets deposited into your account. Pay your bills and spend your money like normal.
  • While your money is sitting in your account, it is reducing the mortgage interest you pay on a daily basis.
  • Build equity in your home even faster than you would with a bi-weekly mortgage.
  • Pay off your loan faster and take a big slice out of your total interest charges.