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KeyPoint branches can accept small amounts of rolled coin deposits for Members. We do not offer merchant services for high-volume coin handling, and we are unable to accept coins from Non-Members and Members of other credit unions. 

KeyPoint branches can accept small amounts of rolled coin deposits for Members. We do not offer merchant services for high-volume coin handling, and we are unable to accept coins from Non-Members and Members of other credit unions. 

You can find out whether leasing or taking out a loan makes more sense for you using our handy Lease vs. Loan Calculator. You can also click here to find out more about whether an auto loan is right for you.

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 3% 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:

• Homeowner’s insurance - Affordable solutions to protect your net worth.
• 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 home buying 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 licensed Loan Officer can not only pre-approve your mortgage so you know exactly what price range you can afford, he or she can also provide helpful information about the costs of a mortgage and the different options that are available to meet your unique needs. 

Once you are pre-approved, you are considered a qualified buyer, and will have more leverage when negotiating to purchase a home. 

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 3% down, to jumbo loans up to $2.5 million.
• Home Equity Loans – KeyPoint has a great way 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:

• Homeowner’s insurance - Affordable solutions to protect your net worth.
• 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!
• 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.

If your loan is a refinance and there is sufficient loan-to-value, it is very likely that you can finance your closing costs. This option is not available for purchase transactions.

Please contact us if you have additional questions.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

The specific amount of your closing costs will vary based on your unique situation. Typical fees include an appraisal fee, title charges, closing fees, and state or local taxes.

Other fees include the credit report fee, settlement or closing fee, survey fee, tax service fees, title insurance fees, flood certification fees, and courier/mailing fees. There are also KeyPoint fees, such as document preparation fees and loan processing fees.

Once you apply for your loan, we will be able to provide you with a full summary of all estimated fees, and you will be under no obligation to proceed with the loan. 

Need a home loan?

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 3% 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:

• Homeowner’s insurance - Affordable solutions to protect your net worth.
• 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 home buying 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 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:

• Homeowner’s insurance - Affordable solutions to protect your net worth.
• 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.

KeyPoint does not have a list of properties that we currently own. If you are looking for a bank-owned property, please contact a real estate agent.  

If you are interested in obtaining a mortgage, we can help!  

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 3% down, to jumbo loans up to $2.5 million.
• Home Equity Loans – KeyPoint helps make the equity in your home work for you.
• 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:

• Homeowner’s insurance - Affordable solutions to protect your net worth.
• 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!
• 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.

Click here to view our low auto loan rates!