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Key Advantage Program

Program Description

Now it’s easier to own a home with a Key Home Advantage mortgage loan. With flexible sources for downpayment, it takes a lot less cash to get started. Qualifying is also easier than you might expect with flexible guidelines.


  • 1% or $500, whichever is less, borrower contribution. Reminder of 3% downpayment may come from flexible sources
  • Maximum 3% seller contributions
  • Non-traditional credit accepted
  • Competitive, low rates
  • No Private Mortgage Insurance (PMI) required
  • Maximum 100% of AMI unless Fannie Neighbors Eligible Area
  • 15, 20, 30 year fixed rate or rate and term refinances
  • 97% LTV for 1-2  units; 80% for 3-4 units
  • 41% qualifying ratio
  • 1 month reserves
  • Owner-occupied principal residential; 1-4 units; no co-ops or manufactured homes

Homebuyer Education

  • Homebuyer education and landlord counseling for 2-4 units required


Cindy Windsor: (614) 365-3356 or 1 (800) 635-7759, ext 3356