Dentist Mortgages in Arizona


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Alerus Financial

(AL, AZ, CA, CO, CT, DC, FL, IA, ID, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, TX, UT, WA, WI, WY)

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usually responds within 30 minutes

Alerus Financial

(AL, AZ, CA, CO, CT, DC, FL, IA, ID, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, TX, UT, WA, WI, WY)

$100M Closed Loans

Alerus Financial is a bank established in 1879 that offers comprehensive financial solutions including banking, mortgage, retirement, and wealth management services.

High-income professionals can utilize Alerus Financial's comprehensive suite of services including wealth management, retirement planning, and personal banking. Their personalized financial strategies include investment management, estate planning, and risk management. Alerus also offers business banking and mortgage services. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $750,000
5%up to $1 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • DVM
  • OD
  • Fellow
  • Resident
  • DPM
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Alliant Credit Union

(AZ, CO, GA, IL, KS, MN, MO, NC, NV, SC, TN, UT, WA)

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Online

usually responds within 30 minutes

Alliant Credit Union

(AZ, CO, GA, IL, KS, MN, MO, NC, NV, SC, TN, UT, WA)

$100M Closed Loans

Alliant Credit Union, founded in 1935, is a member-owned financial cooperative providing a full range of financial services, with a strong national online presence.

High-income professionals can utilize Alliant Credit Union's services, which include high-rate checking and savings accounts, low-rate loans, and credit cards. Their services also encompass retirement and investment options, mobile and online banking, and financial advice. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: Varies
Down payment Financing
%Varies
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

BOK Financial

(AR, AZ, CO, KS, MO, NM, OK, TX)

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Online

usually responds within 30 minutes

BOK Financial

(AR, AZ, CO, KS, MO, NM, OK, TX)

$100M Closed Loans

Bok Financial, established in 1910, is a top-tier U.S. financial services company providing commercial and consumer banking, investment and trust services across eight states.

High-income professionals can take advantage of Bok Financial's wealth management services, which include financial planning, investment management, and private banking. They also offer tax strategies, estate planning, and insurance solutions to secure and grow wealth. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $2,500,000
Down payment Financing
0%up to $850,000
5%up to $1.25 million
10%up to $1.5 million
20%up to $2.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Bank Of America

(All 50 States)

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Online

usually responds within 30 minutes

Bank Of America

(All 50 States)

$100M Closed Loans

Bank of America, founded in 1904, is a leading global financial institution offering a broad range of banking, investing, asset management, and other financial and risk management products and services.

High-income professionals can take advantage of various services from Bank of America, including personalized wealth management, advanced investment strategies, and dedicated advisors for financial planning. They also offer specialized banking services, flexible mortgage options, and exclusive rewards and benefits. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
3%up to $825,000
5%up to $1 million
10%up to $1.5 million
15%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • DVM
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

BankMD

(All 50 States)

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Online

usually responds within 30 minutes

BankMD

(All 50 States)

$100M Closed Loans

BankMD, founded in 2005 and operating via bankmd.com, specializes in providing financial services to medical professionals with a focus on personal loans and wealth management.

High-income professionals can access a suite of services from BankMD, including specialized banking, lending, and investment solutions. The bank's offerings are tailored to meet the unique financial needs of medical professionals, helping them manage and grow their wealth effectively. [ Read Review → ]

  • Minimum credit score: 670
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $850,000
5%up to $1 million
10%up to $2 million
15%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • DPM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Bell Bank

(AZ, CO, KS, MN, MO, ND, NM, TN, WI)

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Online

usually responds within 30 minutes

Bell Bank

(AZ, CO, KS, MN, MO, ND, NM, TN, WI)

$100M Closed Loans

Bell Bank, founded in 1966 as State Bank of Fargo, is a full-service, independent bank specializing in banking and wealth management, known for its strong customer relationships.

High-income professionals can leverage Bell Bank's premier services, offering personalized wealth management, private banking, and investment strategies. They also provide retirement planning and trust services, to ensure long-term financial security and legacy management. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $2,000,000
Down payment Financing
5%up to $1 million
10%up to $1.5 million
15%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

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Online

usually responds within 30 minutes

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

$100M Closed Loans

First Citizens, founded in 1898, is a full-service commercial bank with over 500 branches, offering a wide range of retail and corporate financial services.

High-income professionals can benefit from First Citizens' services, including wealth management, private banking, and insurance. Their offerings also comprise personalized financial planning, customized credit solutions, and estate planning. They provide tailored strategies to optimize financial growth and security. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
20%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • NP
  • PA
  • DC
  • DVM
  • PharmD
  • JD
  • CPA
  • PhD
  • RN

First Western Trust

(AZ, CA, CO, MT, WY)

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Online

usually responds within 30 minutes

First Western Trust

(AZ, CA, CO, MT, WY)

$100M Closed Loans

First Western Trust, founded in 2004, is a private bank and wealth management company, providing a comprehensive suite of financial services across the Western U.S.

High-income professionals can utilize First Western Trust's services for comprehensive wealth planning and management. Offerings include investment consulting, private banking, trust and estate planning, and retirement planning. Tailored strategies are designed to optimize financial growth and security. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $850,000
5%up to $1 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • CRNA
  • DPM
  • OD
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Flagstar

(All 50 States Except NY)

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Online

usually responds within 30 minutes

Flagstar

(All 50 States Except NY)

$100M Closed Loans

Flagstar, founded in 1987, is a leading national bank headquartered in Michigan, offering a broad range of banking, mortgage, and lending operations.

High-income professionals can utilize Flagstar's wealth management services for their financial planning needs. These services include personalized investment strategies, retirement planning, estate planning, and trust services. Additionally, Flagstar offers private banking solutions such as tailored loans and exclusive credit options. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • RN
  • DC
  • PhD

GreenState Credit Union

(All 50 States Except CA)

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Online

usually responds within 30 minutes

GreenState Credit Union

(All 50 States Except CA)

$100M Closed Loans

GreenState Credit Union, founded in 1938, is a member-owned financial cooperative providing diverse banking services to more than 350,000 members across the United States.

High-income professionals can take advantage of a variety of services from GreenState Credit Union. These include exclusive checking and savings accounts with competitive interest rates, extensive loan options, wealth management and investment services, retirement planning, and insurance services, all designed to optimize their financial growth and security. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • PharmD
  • NP
  • PA
  • CRNA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Keybank

(AK, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KY, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Keybank

(AK, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KY, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY)

$100M Closed Loans

Keybank, established in 1825, is a regional bank headquartered in Cleveland, Ohio, offering a variety of financial services including retail and commercial banking, investment management, and consumer lending.

High-income professionals at Keybank are provided with comprehensive financial services. These include wealth management, specialized lending, and tailored banking solutions. They also have access to financial planning tools, investment strategy assistance, and estate planning. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $3,500,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
15%up to $2 million
20%up to $3.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Laurel Road

(All 50 States)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Laurel Road

(All 50 States)

$100M Closed Loans

Laurel Road, established in 2013, is a fintech company known for its online lending platform, providing student loan refinancing, mortgages, and personal loans.

High-income professionals can leverage Laurel Road's services for personalized financial solutions. The platform offers student loan refinancing, personal loans, mortgages, and high-yield savings accounts. It also provides digital banking services with attractive interest rates, emphasizing transparency and customer support. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: Varies
Down payment Financing
10%Varies
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Liberty Federal Credit Union

(AL, AZ, CA, FL, GA, IN, KY, MS, NC, OH, PA, TN, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Liberty Federal Credit Union

(AL, AZ, CA, FL, GA, IN, KY, MS, NC, OH, PA, TN, TX)

$100M Closed Loans

Liberty Federal Credit Union, established in 1955, is a member-owned financial cooperative providing a range of services including loans, savings, and investments to its members.

High-income professionals can utilize Liberty Federal Credit Union's services for personalized financial management. These include premium savings and checking accounts, low-interest loans, comprehensive investment and retirement planning, tax advisory, and exclusive credit card offers. Their services also extend to providing financial literacy resources and dedicated customer support. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $970,800
5%up to $1.5 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • PharmD
  • DVM
  • OD
  • CRNA
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Northpointe

(All 50 States Except CA, NY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Northpointe

(All 50 States Except CA, NY)

$100M Closed Loans

Northpointe, founded in 1999, is a Michigan-based online banking institution providing comprehensive financial services, including checking, savings, and loans.

High-income professionals can leverage Northpointe's comprehensive financial services, which include high-yield checking and savings accounts, competitive mortgage loans, and tailored lending options. The firm also offers personalized wealth management and investment strategies to optimize asset growth. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $1,000,000
Down payment Financing
0%up to $850,000
10%up to $1 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • PharmD
  • DC
  • CRNA
  • NP
  • PA
  • JD
  • CPA
  • PhD
  • RN

Notre Dame Federal Credit Union

(AZ, IN)

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Online

usually responds within 30 minutes

Notre Dame Federal Credit Union

(AZ, IN)

$100M Closed Loans

Notre Dame Federal Credit Union, founded in 1941, is a member-owned, not-for-profit financial cooperative serving the Notre Dame community with diversified banking services.

High-income professionals can take advantage of Notre Dame Federal Credit Union's services which include exclusive checking accounts, high-yield savings, wealth management, mortgage solutions, and personal loans. Comprehensive insurance plans and specialized financial advice are also offered to cater to their unique financial needs and goals. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $900,000
Down payment Financing
0%up to $900,000
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • CRNA
  • NP
  • JD
  • RN
  • DPM
  • DVM
  • OD
  • PharmD
  • PA
  • DC
  • CPA
  • PhD

Shoreham Bank

(AZ, CA, CO, FL, IA, ID, IL, MI, NV, RI, TN, UT)

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Online

usually responds within 30 minutes

Shoreham Bank

(AZ, CA, CO, FL, IA, ID, IL, MI, NV, RI, TN, UT)

$100M Closed Loans

Shoreham Bank, founded in 1860, is a reputable financial institution offering a comprehensive range of banking services including loans, savings, and online banking.

High-income professionals can take advantage of various services from Shoreham Bank. These include specialized checking and savings accounts, tailored investment advice, estate planning, and personalized loan options. The bank also offers a private banking service, providing dedicated financial advisors for comprehensive wealth management. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
15%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • DC
  • JD
  • CPA
  • PhD
  • RN

Truist

(All 50 States Except AK, AR, HI, OR)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Truist

(All 50 States Except AK, AR, HI, OR)

$100M Closed Loans

Truist, formed by the merger of BB&T and SunTrust in 2019, is a leading banking institution offering a comprehensive range of financial services across the United States.

High-income professionals benefit from Truist's comprehensive wealth management services. These services include personalized financial planning, investment management, estate planning, and risk management. Truist also offers tailored lending solutions and private banking options to meet unique financial needs. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

UMB Mortgage Solutions

(AZ, CO, KS, MO, NE, OK, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

UMB Mortgage Solutions

(AZ, CO, KS, MO, NE, OK, TX)

$100M Closed Loans

UMB Mortgage Solutions, founded in 1913, offers comprehensive mortgage services including origination, processing, underwriting, and servicing, with a robust online platform.

High-income professionals can utilize UMB Mortgage Solutions for tailored mortgage plans. They offer specialized mortgage products, including jumbo loans. Their service provides personalized support, dedicated advisors, in-depth consultations, and a fast, streamlined application process. Their focus is on providing optimal solutions for high-value real estate purchases. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $5,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • OD
  • PharmD
  • JD
  • Fellow
  • Resident
  • DPM
  • DVM
  • CRNA
  • NP
  • PA
  • DC
  • CPA
  • PhD
  • RN

Wintrust Mortgage

(AZ, CA, FL, IL, IN, MN, MT, ND, WI)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Wintrust Mortgage

(AZ, CA, FL, IL, IN, MN, MT, ND, WI)

$100M Closed Loans

Wintrust Mortgage, established in 1981, is a part of Wintrust Financial Corporation, providing a broad range of customizable mortgage and refinancing solutions across the US.

High-income professionals can take advantage of a wide range of services from Wintrust Mortgage. These include personalized mortgage solutions, refinancing options, and jumbo loans. Wintrust also provides a selection of online tools to assist in managing mortgage payments and planning future finances. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $850,000
3%up to $1.25 million
5%up to $1.5 million
10%up to $2 million
20%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • DPM
  • PharmD
  • DC
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • NP
  • PA
  • JD
  • CPA
  • PhD
  • RN

Key Terms

  • Arizona dentist mortgages offer benefits such as no insurance requirements and lower down payments, making homeownership more attainable for dentists.
  • These mortgages include features tailored for dentists, like flexible eligibility criteria and special programs for those working in rural or underserved areas.
  • Before deciding, dentists should assess their financial situation, research available programs, and consult with specialists to ensure a dentist mortgage meets their needs and aligns with their financial goals.

Nestled in the southwestern region of the United States, Arizona offers a diverse and vibrant quality of life for its residents. Boasting breathtaking natural landscapes, from the iconic Grand Canyon to the stunning red rock formations of Sedona, outdoor enthusiasts find endless opportunities for adventure and exploration. With its warm climate and abundant sunshine, Arizona attracts individuals seeking an active lifestyle and year-round recreational activities such as hiking, golfing, and camping. The state’s rich cultural heritage is celebrated through its bustling cities like Phoenix and Tucson, where residents can indulge in world-class dining, shopping, and entertainment. Additionally, Arizona’s affordable cost of living and strong job market contribute to its appeal as a desirable place to live.

Given these qualities, Arizona attracts many individuals seeking a balance between affordability and quality of life. With a growing economy and abundant job opportunities, especially in sectors like healthcare, the state appeals to professionals such as doctors and dentists, too. According to data from the Bureau of Labor Statistics, Arizona is home to 2,140 dentists. 

However, while the cost of living in the Grand Canyon State remains appealing, home prices are on the rise, particularly in populous areas like Phoenix. According to the FED, the median listing price of a single-family home in the state is $511,473. Consequently, some dentists may encounter challenges in purchasing a home independently, particularly in urban and suburban regions such as Phoenix or Tempe, or if they carry significant student debt. In such cases, dentists can explore dentist mortgages for assistance.

What are the advantages of Arizona dentist mortgages?

Exploring the idea of a dentist mortgage? Dive into the benefits tailored for dentists aiming to own a home in the state:

  • Reduced down payments: Dentist mortgages often come with lower down payment requirements, easing the path to homeownership for dentists.
  • Closing cost assistance: Specialized mortgage programs may offer support with closing costs, helping dentists save upfront expenses when buying a home.
  • Flexibility in eligibility: Dentist mortgages typically boast adaptable eligibility criteria, taking into account factors like income stability, employment history, and credit score, streamlining the qualification process.
  • Tailored perks: Some dentist mortgage programs offer unique benefits designed specifically for dentists, such as forgiveness programs for those serving in certain areas or assistance for dentists working in rural communities.

These advantages collectively position dentist mortgages as an appealing option for medical professionals pursuing their homeownership dreams in Arizona.

Is an Arizona dentist mortgage right for me?

Considering whether a dentist mortgage suits your needs? Here’s a checklist to aid your decision-making process:

  1. Assess Your Financial Situation: Begin by evaluating your income, savings, debts, and credit score. Determine how homeownership aligns with your overall financial goals.
  2. Research Dentist Mortgage Programs: Explore available dentist mortgage options in your state. Compare the eligibility criteria, benefits, and perks offered by different programs.
  3. Consider the Housing Market: Analyze housing market trends and affordability in your desired area. Determine if dentist mortgages are compatible with current housing market conditions.
  4. Evaluate Your Long-Term Goals: Reflect on how homeownership fits into your long-term career and personal plans.Assess the potential impact on future financial stability and goals.
  5. Review the Benefits and Drawbacks: Identify the advantages, such as lower down payments, assistance with closing costs, and flexible eligibility criteria. Consider potential drawbacks, such as higher interest rates or limited availability compared to traditional mortgages.
  6. Consult with Experts: Seek guidance from the leading dentist mortgage specialists. Discuss the options and implications of dentist mortgages based on your individual circumstances.
  7. Make an Informed Decision: Weigh the pros and cons based on your personal financial situation and homeownership goals. Decide if a dentist mortgage aligns with your needs and provides the best path to homeownership.

If you’re still not sure the right path to follow as a DDS/DMD looking for a home loan, you are like many other medical professionals. You need to do your research about the best way to get into the home buying process. Each lender has their own eligibility criteria, so borrowers should always talk to loan officers to find the right fit for your home purchase.

Look at items like:

  • No private mortgage insurance/PMI (or requirements to obtain it)
  • Refinance chances
  • Max loan amounts
  • Payment options
  • Options for medical residents or dental students
  • Low down payments
  • Minimum credit score
  • Debt to income ratio (DTI)
  • Fixed rate vs adjustable rate mortgage
  • Whether you can qualify based on employment contract
  • Monthly payments/overall mortgage payment
  • Any penalties for early repayment
  • Disclosures
  • Other underwriting rules

Much like new doctors looking for a physician mortgage loan, you can use dentists mortgages to tap into home financing options in Arizona. Medical doctors often use doctor mortgage loans because they might have funds in place from a new job offer, but also have a high debt to income. Sometimes these physician mortgage loans care more about your employment contract than they do student loan debt. The same apples for a DDS, DPM, or DVM. You’d use a dentist mortgage to get approved for a new home or refinancing.

Here, you can use your new job to help you get a primary residence. This same process applies with various loans like pharmacists, CRNAs, podiatrists, veterinarians, or physician assistants. Doctors often use physician home loans to get into a new home quickly. Each mortgage lender can tell you more about how it works, but the big benefit for a lot of doctor of dental medicine borrowers is that you don’t have your student loan payments could against you as much as if you went with a conventional loan.

Once you know you have a good loan program in mind, you can contact a realtor or start looking on the NMLS for a dream home!

Examples of dentists who take out dentist mortgages in Arizona

Take a look at the stories below. Are these scenarios hitting close to home for you? If so, a dentist mortgage in Arizona might be the perfect solution:

Dr. Johnson, hails from Tuba City and takes immense pride in serving Navajo Nation with her small practice. Despite her respectable income, Dr. Johnson faces hurdles in buying a home due to significant student loan debt, which doesn’t align with the stringent requirements of conventional mortgages. Traditional lenders hesitate to extend financing, leaving Dr. Johnson feeling discouraged. Fortunately, a dentist mortgage recognizes her income, understands the nature of her student debt, and offers additional perks for her service in Tuba City.

Dr. Morris is navigating the bustling and expensive real estate market of Phoenix. Eager to establish roots and find his first home, Dr. Morris is limited by the narrow options in the city’s competitive housing market. Despite having a stable income, standing out among the crowd of buyers vying for prime properties proves challenging. Frustrated with the limitations of traditional mortgages, he decides to seek out an alternative approach. Enter the dentist mortgage, which provides him with the leverage needed to compete in Phoenix’s fierce market without requiring a substantial down payment. 

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Joshua Holt is a licensed mortgage loan originator (NMLS #2306824) and founder of Biglaw Investor. His mortgage expertise lies in the areas of professional mortgage loans, particularly for lawyers, doctors and other high-income professionals. Prior to Biglaw Investor, Josh practiced private equity mergers & acquisition law for one of the largest law firms in the country.

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