FDIC-Insured - Backed by the full faith and credit of the U.S. Government
ADA Dentist Mortgage
We help dentists like you finance the dream of homeownership.
With a Laurel Road Mortgage, eligible dentists (you too, residents!) can get flexible down payment options,† premium service, relationship rate discounts, and more.
To get started, speak to a KeyBank mortgage specialist at 1-877-801-4686.
Mortgage Lending for Dentists
ADA members get a 0.25% rate discount.1
A Laurel Road Mortgage can help you get the savings and dedicated support you deserve. Explore special financing options available with a Dentist Mortgage,2 including low down payment options.‡
To get started, speak to a KeyBank mortgage specialist at 1-877-801-4686
†Geographic limitations apply.
Benefits of a Dentist Mortgage
Frequently Asked Questions
Questions come up, and we have answers.
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MORTGAGE
How do I make my first mortgage payment?
Most of KeyBank’s mortgages are due on the 1st of the month, but please refer to your loan closing documentation, first payment letter or monthly statement to confirm your payment date, or call mortgage customer service at 1-800-422-2442.
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MORTGAGE
How is my KeyBank Mortgage serviced?
If you have any questions related to your closed KeyBank Mortgage, please call KeyBank at (800) 422-2442 or dial 711 for TTY/TRS.
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MORTGAGE
What is a Physician & Dentist Mortgage?
KeyBank’s Physician and Dentist Mortgage is a home loan tailored specifically to physicians and dentists featuring up to 95% financing for loans of $1,500,000 or less with no Private Mortgage insurance required.* These loans have fewer restrictions than conventional mortgages and recognize the lender’s trust in medical professionals’ creditworthiness and earning potential.
*Only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Doctors and dentists that are not actively practicing are ineligible. Additional conditions and restrictions apply.
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MORTGAGE
What is included in the monthly mortgage payment?
Your monthly payment includes principal and interest, as well as mortgage insurance (if applicable) and escrow (homeowners insurance and tax).
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MORTGAGE
What types of mortgages does KeyBank offer?
KeyBank offers a variety of competitive mortgage products to meet almost any need. We’ll work with you to understand your financial situation and goals so we can recommend the best approach. We have fixed- and adjustable-rate conventional mortgages, specialty mortgages including combination or piggyback loans and jumbo loans, and affordable mortgages like Key Community, FHA, Fannie Mae and VA loans, as well as mortgages specifically for medical professionals. To get started, speak to a dedicated Loan Officer at 1-877-801-4686 for available home lending products offered.
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MORTGAGE
What types of properties are eligible for a KeyBank Mortgage?
KeyBank has mortgages for a variety of home types and uses from single-family homes to condos, multi-unit properties and investment properties. To get started, speak to a dedicated Loan Officer at 1-877-801-4686 for available home lending products offered.
Disclaimers
Notice: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.
† In some states, a conventional loan option with Private Mortgage Insurance (PMI) may offer better priced loan terms than a Dentist Mortgage for down payments less than 20%. Financing options presented upon checking rates offer lowest rate and payment options available based on information provided and may not be a Dentist Mortgage. Contact Laurel Road to discuss all eligible options.
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A 0.25% mortgage interest rate reduction (the “Rate Discount”) is available to borrowers that are an active Member Name member no less than five (5) days prior to closing. The Rate Discount cannot be combined with any other interest rate incentives or reductions, applies only to new Loan applications, may not be available for all products, and becomes effective at closing (if applicable). For fixed-rate mortgages, the Rate Discount will be reflected in the interest rate on the Promissory Note. For adjustable-rate mortgages (“ARMs”), the Rate Discount will apply to the initial fixed interest rate period and will be reflected in the maximum amount the interest rate can increase of the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note or Agreement. Other restrictions may apply. Ask us for details.
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Only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Doctors and dentists that are not actively practicing are ineligible. Additional conditions and restrictions apply.
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A lender credit of up to $650 (the “Lender Credit”) is available to borrowers that are an active Member Name member no less than five (5) days prior to closing. The Lender Credit cannot exceed borrowers' actual costs to close, may be combined only with certain special purpose lender credits, applies only to new Loan applications, and becomes effective at closing (if applicable). Other conditions or restrictions may apply.