Conventional Mortgage Loans

Loan qualifications vary depending on the type of loan you need. The best way to find out if you qualify for a loan is to apply. There is no cost to do so, and our staff will work with you to look for ways to get your loan request approved.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

A mortgage is a loan to finance the purchase of your home. Similar to a car loan, your home is used as collateral for the loan. A mortgage is also a legal contract you sign to promise that you'll repay the loan with interest and other costs, typically over 15 to 30 years.

To repay the loan, you would make monthly installments or payments that typically include the principal loan amount, interest, taxes and insurance. If you don't repay the loan, your lender has the right to take back the property and sell it to cover the debt. 

Are you interested in purchasing a home?

KeyPoint has the right home loan for your unique needs, whether you’re purchasing, refinancing, or deciding between a fixed or adjustable-rate loan. Our low rates and personal service make the loan process easy!

• Traditional Mortgage Loans – KeyPoint has everything from purchase loans for as little as 5% down, to jumbo loans up to $2.5 million.
• Home Equity Loans – KeyPoint has a great option to make the equity in your home work for you—a traditional home equity loan.
• Home Equity Lines of Credit – A line of credit is an affordable way to pay for important things like home repairs, medical expenses and a college education.

KeyPoint has lots of other ways to help homeowners:

• Home Loan Calculators - Calculate your housing affordability, mortgage down payment, monthly payment, and more.
• Financial Hardship - We want to help Members who have fallen behind on paying mortgages, loans or lines of credit. If you need help, please let us know right away!
• Buying Your First Home - Our special resource page for first-time buyers includes a five-step guide to the homebuying process, and a glossary of mortgage and real estate terms.

Want to learn more? Check out the helpful articles at our Learning Center.

Call our Mortgage Hotline to speak with a home loan expert: (877) 888-9634, Monday – Friday, 9:00-6:00; Saturday 9:30-3:00.

A HELOC is a revolving line of credit that works like a credit card — except it’s secured by your home. You can withdraw money as needed up to a maximum limit, pay the balance to zero and re-use the line for a set time frame called a draw period.

The benefit of a home equity loan or line of credit is to provide access to cash for things like home repairs, remodeling, medical or college expenses. Borrowing against your home's equity may have tax advantages (consult your tax advisor), and doing so may provide a lower interest rate than other options, such as credit cards or personal loans.

Learn more about home equity loans or home equity lines of credit (HELOCs).