Dentist Mortgage Loans

A dentist mortgage loan is a niche product which banks offer exclusively to dentists and other medical professionals. 

Low Down Payments

With as little as 0-10% down, you can borrow up to $1,000,000 to purchase your new home. Down payments vary, with tier levels based on the loan amount. There are no hidden fees or pre-payment penalties, so you have a clear understanding of the terms as well as the flexibility for early pay-off.

  • 0-10% down payments
  • Higher loan to value (LTV)
  • No hidden fees or pre-payment penalties

No Mortgage Insurance (PMI)

No pricey private mortgage insurance (PMI), even with only 0-10% down, 90% loan to value (LTV). Unlike traditional borrowers needing PMI, medical professionals like you are safer borrowers, with increased income potential and historically responsible clients.

  • No mortgage insurance (PMI)
  • Higher loan to value
  • Banks favor robust income potential

Competitive Interest Rates

Get the most competitive interest rates in the market—even with 10% down payment or less and higher loan to value (LTV). Dentist home loans are more personalized, with interest rates based on the individual dentist’s unique financial situation, combined with several adjusting factors.

  • Best interest rates with 0-10% down payments
  • Higher loan to value (LTV)
  • Low interest rates of all property types

Calculate Your Payment

Thanks to the stellar reputation for lending and repayment by physicians, doctors are often eligible for specialized lending options. Use our handy calculator to estimate some payment options when looking to obtain your physician mortgage.

  • Purchase, refinance
  • Estimate interest rates
  • Estimate monthly payments

Ready to get started with our preferred lender?

Now that you have seen some of the great benefits to Physician Mortgages, reach out to us to connect you with a specialized lender.

Getting into the details

A dentist mortgage loan is a specialized mortgage product offered exclusively to physicians and other medical professionals, who have unique financial circumstances. You are rewarded for the commitment you have made to your education with more flexibility in qualifications, in minimum financial requirements, debt-to-income ratios, and even repayment options, to name a few.

The list of benefits to applicants for a physician mortgage loan can include:

Lower Credit Scores   

Low (or Zero) Down Payments

Lenient Debt-to-Income Ratios

No Private Mortgage Insurance Required

Reduced Fees and Loan Forgiveness Options

Competitive Interest Rates not found with other loan types



General Dentist

Pedodontist/Pediatric Dentist




Oral Pathologist/Oral Surgeon


You are already on track for qualification simply by being a dentist! You have finished dental school and may be in residency (or just completed residency). You are ready to find a home and settle into your life as a dentist. Because of your commitment to your education and income potential, you should consider the advantages to a dentist mortgage loan. Although there are some requirements in terms of income and credit score, don’t assume you can’t purchase a home simply because you are just starting your dental career! 

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