The most common myth about buying a home is that you need 20% for a downpayment. Qualified buyers may need as little as 1% down. Use one of our downpayment assistance programs to make that number even lower, and your dream home might be more attainable than you think. To qualified buyers, we offer:
Curious how much you can do with what you have?
Find out what your monthly payment would be right now with our calculator. This could help you in future conversations with lenders.
Not sure how much you will qualify for? Count on us to help.
Kudos to you for doing your homework! You never want to fall in love with a home that’s out of your price range. Determining what you can afford is a very important part of the process and answering it upfront will help you and your real estate agent focus on a price range when you start your search.
Use our calculator to figure this out on your own. Or better yet, a 15-minute call with one of our trained professionals will help you crunch the numbers and answer other questions you might have as you’re getting started.
While there are plenty of loan programs available to homeowners, they all boil down to being in one of two categories. Whether the interest rate is fixed for the term of the loan or adjusts is something you decide based on your needs.
Which one is right for you?
That is where our professionally trained loan officers come in. We will ask the right questions upfront so that we provide you with a loan that meets both your long and short-term goals. We help you make the best decision for you.
Stop paying your landlord’s mortgage and start building your own financial future.
So you’ve never done this before. There’s a first time for everything, and to make it easier, we’ve outlined the homebuying process in six simple steps.
Have interest rates dropped since you purchased your home? Maybe you need more accessible cash in your bank account on a monthly basis, or you want to take cash out to pay off a higher debt or remodel.
There are so many reasons why refinancing might be right for you. Use our helpful calculator, or even better, speak with a professional Key Mortgage loan officer to see what your options are.
Whether it’s locking in a lower interest rate, lowering or removing your PMI, changing to a longer term loan, or another creative solution, we’ll give it everything we’ve got to lower your monthly payments.
The kitchen was updated, it had one more bathroom, you get the picture. Make an almost-perfect home perfect for you and your loved ones with a variety of home improvement and renovation loans that require as little as 3.5% down.
We offer loan products that:
Already preapproved with another lender, but not sure you’re getting the best deal? Let us take a look — free of charge. Our Second Look program has saved clients almost $35,000 over the life of their loan.
If you’re looking at single family homes at a higher price point, we’ve got you covered. Lending guidelines can change based on how much you need to borrow and the type of property you’re financing. There are a lot of options we offer, and we’ll make sure you get all the information you need to choose the best one for you.
With jumbo loans you can purchase at a higher price point and take advantage of competitive interest rates. We offer both fixed-rate and adjustable-rate jumbo loans.
One of our loan officers can help you find the best option.
Already preapproved with another lender, but not sure you’re getting the best deal? Let us take a look — free of charge. Our Second Look program has saved one of our clients almost $35,000 over the life of their loan.
Key Mortgage was named one of the Top Military Lenders of 2018 by National Mortgage Professional Magazine and has vast experience working with active and retired service members. In gratitude for your service, the U.S. Department of Veterans Affairs (VA) makes it easier for active and retired military members to buy today:
On top of these benefits, when you buy a home through our exclusive U.S. Military on the Move® program, you’ll receive a cash rebate based on the actual sales price — with no limit on the amount — plus a $300.00 closing credit.
Military on the Move® is powered by Leading Real Estate Companies of the World®, a global network of over 500 premier real estate firms, giving you access to exceptional service from top quality associates living and working in the market, and providing you with a seamless real estate transaction with exclusive benefits.
If you are active duty or retired military simply register with U.S. Military on the Move® by emailing military@mykeymortgage.com before contacting your agent.
Let us help you realize your American Dream. Get in touch with one of our loan officers today.
We offer access to two programs designed to take some of the worry out of building your dream home — and you can use them together for even more advantages.
Lock in your interest rate for up to 240 days at no cost with SmartLock — if rates go lower, you get to take advantage. It offers peace of mind in uncertain rate environments while you build your home.
DreamBuilder gives you home financing during construction to build the home you’ve always wanted.
When you use them together:
Building your dream home? Count on us to make it easier.
Already preapproved with another lender, but not sure you’re getting the best deal? Let us take a look — free of charge. Our Second Look program has saved clients almost $35,000 over the life of their loan.
425 North Martingale Road, Suite 1710
Schaumburg, IL 60173
847.296.5757
info@mykeymortgage.com
For general assistance call:
800.222.5090
For payment related questions call: 866.329.9312
NMLS # 155748
All loans are subject to credit approval. Key Mortgage Services Inc., dba KMS NMLS# 155748, 425 N. Martingale Rd., Suite #1710, Schaumburg, IL 60173. For licensing information, go to: http://www.nmlsconsumeraccess.org/
Clicking ‘Apply Now’ brings you to Blend, a product of Blend Labs, Inc., a third party vendor for Key Mortgage Services, Inc. (“KMS”), on your loan application to KMS. Please read the terms, rules, and restrictions (“Terms of Use” or “Terms”) that govern use of Blend, their products, services, and platform (referred to collectively as the “Blend Platform” or “Platform”).
Submitting your application, subsequent documents, and information requests, through Blend under the Terms of Use provides an authorization for KMS to obtain a copy of your credit report and have access and use of the information on the Blend Platform in processing your loan application.
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