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Page 1: Key Community Mortgage 0% DOWN! KeyBank o-w

Key Community Mortgage

0% DOWN!NOPMI!

KeyBanko-w.

Key Community Mortgagemaking home ownership easier.

-Here are some ways Key Community Mortgage can help:

-Fast & Free Pre-Approval-Zero Down Payment Programs

-First Time Homebuyer Programs-No PMI - 100% Financing

-Non Traditional Credit may be acceptable

-Max 3% seller contribution allowed and can be used towards closing costs or pre-paid items.•Funds required to close may be a grant, gift from a family member or provided through a

down-payment program-1 month rese-rverequired for principal, interest, taxes and insurance (PITI)

-$200 credit from Key8ank with a Key Advantage Account

Rick Parchem, Mortgage Advisorat 206-406~4855

[email protected]

€l"""'-HOI""',,LENDER

This information is provided for illustration only, does not constitute an application. does not guarantee loan approval,nor is it an offer or commitment to make a loan to you on the above ltsms. This is not a commitment or an offer toextend financing. Actual APR is based on date of application, credit qualifications, ownership, lien position, loanamount and is subject to change without notice. Loans are subject to credit approval

Page 2: Key Community Mortgage 0% DOWN! KeyBank o-w

KeyBank0--.Unlock your posstbiUties

KeyBank - Key Community .100% Financing MortgageProgram

una ChitnisAssistant Vice PresdentBranch Managerl:)'l1nwooo KeyCenter

• NoPMI• 0% Down Payment• Pre-Approval• Credit Scoring

o 620 + credit score + 100% financingo 600 - 620 credit score = 97% financingo Non Traditional credit may be acceptableo No late payments in the last 12monthso Must have 24 months of rent paymentslhistory with no late

pays in the last 12months (verified by copies of 12monthsbank statements or checks)

[l(eyBankMailcode: WA-31-99-016919820 44th Ave. WestLynnwOOd, WA 98036Tel: 425-775-7266Toll Free: 800-539-2968Fax: 425-771-9186Direct: [email protected]

• 2 year employment history is required• Must contribute 5500 of own funds (i.e.: Eamest Money)• 3% seller contribution allowed• 42% Max DTI (Debt to Income Ratio)• Primary residence only (can not own any other property)• Loan limit $417,000• Fixed interest rate 15 or 30 year available• Property must be located in low to moderate income tract OR income

must be within a specific limit based on county median income limits

To apply for a loan pre-approval contact:

Rick ParchemMortgage Advisor KeyBankMortgage

[email protected]