Laurel Road

Laurel Road offers custom financial solutions for dentists and dental students. Open the door to a new home or refinance your existing home with a Laurel Road Mortgage. You can also join thousands of dentists that have taken control of their student loan debt by refinancing.

Laurel Road's digital mortgage solution was designed with dentists in mind - offering a streamlined approval process, competitive low rates, and special financing options.

In addition, at Laurel Road, we recognize the dedication it takes to be a dentist. That's why we've created an easy online experience with low rates, personalized service, and technology that makes refinancing student debt easier - so you can focus on the future, not your past.

Mortgage Benefits:

• Special savings with a 0.25% rate discount as a Massachusetts Dental Society (MDS) member¹
• Save up to $650 on your closing costs²
• Up to 100% financing³
• No monthly mortgage insurance payments (PMI)⁴
• Human support when you need it

Save Thousands⁵ With the Student Loan Refinancing Program:

• An exclusive 0.25% rate reduction⁶ on loans for MDS members
• No application or origination fees, and no payment penalties
• Flexible repayment options for residents during training
• Concierge level-customer service from dedicated representatives
• Check rate in 5 minutes - no hard credit pull required⁷

Notice: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All credit products are subject to credit approval. Mortgage products are also subject to collateral approval. Mortgage products are available in all 50 U.S. states and Washington, D.C. 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. 

1.The rate discount of 0.25% is offered to borrowers that are an active ADA member at the time of closing. This 0.25% interest rate discount cannot be combined with other offers, except the Rewards Program.

For Fixed-rate mortgages, the 0.25% rate discount is a permanent interest rate reduction that will be reflected in the Promissory Note interest rate. For adjustable-rate mortgages, the 0.25% rate discount will apply to the initial Fixed interest rate period and will be reflected in the maximum amount the interest rate can increase over the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note.

2.Laurel Road offers up to $650 in lender's credit towards your mortgage closing costs. Credits cannot exceed borrowers actual costs to close. For more information refer to the following Rewards Program: http://www.laurelroad.com/partnerships/ada/#Disclaimers

3.100% financing is 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). Only available when purchasing or refinancing with no cash out on a primary residence and loan amount does not exceed $1,000,000. Retired dentists are not eligible. Additional conditions and restrictions may apply. 

4.Only available to interns, residents, fellows, doctors, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD), Doctor of Dental Surgery (DDS). Retired dentists are not eligible. Additional restrictions apply.

5.Savings vary based on rate and term of your existing and refinancing loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.

6.The 0.25% American Dental Association (ADA) member rate discount is offered for applications from (ADA) members in good standing. The rate discount will end if (ADA) notifies Laurel Road that borrower is no longer in good standing. Offer cannot be combined with other offers, including the referral program.

7.Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.

Laurel Road is a brand of KeyBank National Association. All products offered by KeyBank N.A. Member FDIC. NMLS # 399797. Equal Housing Lender. © 2022 KeyCorp® All Rights Reserved. Laurel Road is a federally registered service mark of KeyCorp.

Visit Laurel Road online or call 855.277.6771

You can also call 508.449.6040 to request more information about Laurel Road.