Dentist Mortgage Loans

A dentist mortgage loan is a niche product which banks offer exclusively to dentists and other medical professionals. These loans are popular among dentists for several reasons, including:

On this website you will find information on all the different products available to dentists that banks and lenders offer, including:

  • purchasing and refinancing home loans
  • adjustable and fixed rate mortgages
  • popular mortgage products
and a physician mortgage calculator. Complete the contact form on this page or choose your state to be connected with a loan officer to discuss your dentist mortgage loan.

Why Dentist home loans are better:

Banks and mortgage lenders offer these dental mortgage programs with fewer restrictions due to the robust income potential and the low default rate among dentists and other medical professionals.

All types of dentists can apply for this niche loan product. You are committed to your profession-providing outstanding oral care to your patients-and should be rewarded with exclusive financing. The list of dentists utilizing this financing includes:

  • DDS
  • DMD
  • Orthodontist
  • Periodontist
  • Endodontist
  • General Dentist
  • Pedodontist/Pediatric Dentist
  • Oral Pathologist/Oral Surgeon
  • Prosthodontist

Low Down Payments

  • 15%, 10%, 5%, even No money down
  • Various options in Down payment/Financing Amount ratios
  • Loan amounts up to $3.5 million
  • No pre-payment penalties

No Mortgage Insurance (PMI)

  • One of the best perks of dentist mortgages
  • Avoid the additional fees common in first mortgages
  • PMI can mean a significant increase in your monthly mortgage payment

Competitive Rates

  • Even with higher Loan-to-Value (LTV) amounts, dentists get great rates
  • Competitive with traditional mortgages
  • Multiple options based on down payment, loan type & term length

Flexible Underwriting

  • Qualify even with lower FICO scores
  • Qualify without having established credit
  • More flexibility in Debt-To-Income than traditional mortgages
  • Benefit from the reputation of your career

The loan process begins when you complete an application at a bank online.

  • The Loan officer (or mortgage loan assistant) gathers needed information to submit the application to the underwriting department
  • Once underwriting has all the necessary documents, either a conditional approval or denial is issued, depending on certain criteria
  • Once the file is approved it moves forward to a final approval stage
  • The dentist/borrower signs documents to close the loan and fund


Obtaining pre-approval helps you determine if you meet lender requirements when deciding to pursue a dentist home loan. Some benefits include:

  • Discovering the loan amount you can realistically afford
  • Provides evidence of your seriousness to sellers and real estate agents
  • Introduces you to some of the possible loan options you may qualify for
  • Speeds up the process of financing—some of the paperwork is already completed

Are you looking to refinance to lower your monthly mortgage payment? Refinancing at a lower interest rate from your original purchase could lower your overall monthly payment. Other reasons to refinance include:

  • Shortening your mortgage term (from a 30-year to a 20-year, for example)
  • Take money out to make home improvements, finance education or pay down other debt
  • Expand your dental practice
  • One overlooked benefit of releasing equity from your mortgage is the tax benefit

Ready to get started?

Get pre-approved for a mortgage or to refinance with the dentist mortgage loan program.

Scroll to Top