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ALL PROGRAMS INCLUDE A 15-YEAR TAX ABATEMENT

KEY COMMUNITY MORTGAGE PROGRAM—
  • 100% LTV for borrowers with a credit score of 620 or higher, OR 97% LTV for borrowers with a credit score of 600 or higher
  • No Private Mortgage Insurance (PMI) required
  • 0% down
  • No income limitations
  • Conventional fixed rates
  • Interest rates comparable to FNM
  • May be used with grant money

0% DOWN, NO PRIVATE MORTAGE INSURANCE (PMI)—
  • You do not need one month's mortgage payment or cash reserves in your savings account when closing
  • Provides expanded debt-to-income ratios
  • You may use up to 33 percent of your gross monthly income for housing expenses each month (instead of the standard 28 percent) and 38 percent for your total monthly debt expenses (instead of standard 36 percent)

For more information on special financing offered by Key, please contact:

Jake Wotsch
Mortgage Advisor
KeyBank Mortgage
127 Public Square
Cleveland OH 44114
PH: 216.689.3099
EM: jake_d_wotsch@keybank.com

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27 Fee Simple owner occupied townhomes | 15 year 100% tax abatement on townhome | Reduced interest rate financing at 1.5% below 30 year Fannie Mae available to qualified buyers Greater Circle Living Program | Minutes from downtown Cleveland | Located in historic Little Italy in University Circle | Open contemporary floor plans with 2 to 4 bedrooms (per plan) | Private rooftop decks and terraces | One or two car garage with insulated garage door and electronic door opener (per plan) | Walk through meetings during building process with builder | Professionally designed landscaping | One year HBA warranty
Solid core 7' or 8' doors (per plan) | 3 1/4" base molding | Gas fireplace | Hardwood flooring in living/dining rooms | Hardwood flooring in powder room | Wood stained stairs | Wall to wall carpeting on 3rd floor | Schlage interior hardware

Central air | Double pane insulated low-E windows | Therma Tru insulated fiberglass front entry door | Forced air furnace | Spaceguard air cleaner | Programmable thermostat | 50 gallon hot water tank | R13 insulation in exterior walls | R30 insulation in ceilings | Sound insulation - Around bathroom walls; Between homes; House wrap and sealant package

150 amp service | 10 recessed lights | Smoke dectors | Lighting allowance | Prewired for security | 5 CAT-5 telephone outlets | 5 RG6 cable outlets

Cardell maple cabinets | Granite countertops | Range, dishwasher and microwave | Cabinet hardware | Hardwood flooring | Professionally designed layout | Badger-V hp disposal | Water line to refrigerator | Stainless steel sink with Moen faucet

Ceramic tile flooring (excludes powder room) | Ceramic tile in owner's shower walls and floor | Cardell maple cabinets | Granite countertops in owner's bath | Moen faucets | Undermount sinks | Whirlpool tub in owner's bath (per plan) | Vented exhaust fans

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The information contained herein has been obtained from sources deemed to be reliable. We can not insure its accuracy and encourage readers to consult their professional advisors prior to acting on any of the material contained herein.