Laurel Road

Terms:

• Medical Professional loans up to $3.5 million with no PMI¹.
• Conventional Financing up to 97% LTV with max loan amount of $766,550
• Our signature Silver Key Loans up to 85% LTV with no PMI for loan amounts greater than $766,550 up to $2.5M
• Relationship discounts of .25%²
• Key Community Loans up to 100% Financing NO PMI†

Get Prequalified or Apply Today! Check your rates!

†geographic restrictions apply

Professions:

MD, DO, DDS, DMD, Resident, Fellows, DPM

Disclaimer:

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All
home lending products, including mortgage, home equity loans and home equity lines of credit, 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.
Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed.

1) Only available to actively practicing 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). Employment Start Date up to 90 days from Note Date.
Additional conditions and restrictions apply.

2) To receive relationship benefits on a new KeyBank mortgage loan, which provides a 0.25% interest
rate reduction, you must have owned a Relationship Account at any time during the mortgage loan application process, but no later than seven (7) business days prior to the closing of the mortgage loan.
This Interest rate reduction is available on new KeyBank mortgage loan applications only.

As an alternative to the relationship benefit, you may obtain a 0.25% interest rate reduction if you
complete and submit, no later than seven (7) business days prior to the closing of the mortgage loan,
the Monthly Automatic Payment form to have your recurring mortgage payment for your KeyBank
mortgage loan automatically deducted from a Laurel Road branded checking account or an “Eligible
KeyBank Consumer Checking Account”. Refer to the Monthly Automatic Payment form for more details.

For fixed-rate mortgages, the 0.25% interest rate reduction will be reflected in the interest rate on the
Promissory Note. For adjustable-rate mortgages (“ARMs”), the 0.25% interest rate reduction 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.

“Relationship Account” means (A) an open Eligible KeyBank Consumer Checking Account with five (5) or
more Qualifying Transactions posted to a single Eligible KeyBank Consumer Checking Account in a
calendar month, which may not be aggregated across other accounts you own, OR (B) an open Key
Private Bank Checking or Key Private Bank Personal Checking account.

An “Eligible KeyBank Consumer Checking Account” means: any KeyBank consumer checking account
designated as a personal checking account by KeyBank, including KeyBank’s Hassle-Free checking
account, but excluding a health savings account and Laurel Road branded deposit accounts.

“Qualifying Transactions” include, but are not limited to, point of sale transactions, bill payment(s), ATM
transactions, check, cash or direct deposits, and electronic funds transfers. Qualifying Transactions
exclude adjustments, advances, reversals, refunds, account to account transfers, person-to-person
transfers, interest, service charges, and service fees. Qualifying Transactions must be completed at least
three (3) business days prior to application to be eligible for inclusion in determining whether you met
the “Relationship Account” portion of the “Bank with Key” criteria.

The 0.25% interest rate reduction may not be combined with certain other discounts or promotions and
may not be available for all home lending products. Other terms, conditions, and/or limitations may
apply. Contact KeyBank Home Lending for more details.

Interest rate discount may not be available for all products. May be combinable with other offers. Ask us
for details.

† In some states, a conventional loan option with Private Mortgage Insurance (PMI) may offer better
priced loan terms than a Physician 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 Physician Mortgage.

Laurel Road is a brand of KeyBank National Association. All products offered by KeyBank N.A. Member
FDIC. NMLS # 399797. Equal Housing Lender. © 2024 KeyCorp® All Rights Reserved. Laurel Road is a
federally registered service mark of KeyCorp. 3 Corporate Drive. 4th floor Shelton, CT 06484, USA.