1. "No fee" offer valid only on new loans not valid on refinances of existing KeyPoint debt. For a limited time, pay no fees to establish a Home Equity Loan or Line up to $500,000. However, if you pay off the loan within 36 months, you will pay a $350 early closing fee on loan amounts up to $250,000 or $1,000 if the loan amount is over $250,000. Fees to establish equity loans and lines over $500,000 typically range from $1,325 to $2,500. No annual fee.