Dentist Mortgages in Arkansas


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Arvest Bank

(AR, KS, MO, OK)

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Online

usually responds within 30 minutes

Arvest Bank

(AR, KS, MO, OK)

$100M Closed Loans

Arvest Bank, founded in 1961, is a diversified financial services company headquartered in Bentonville, Arkansas, offering a full range of banking, mortgage, investment, and insurance products.

High-income professionals can utilize Arvest Bank's comprehensive financial services, including wealth management, private banking, and investment guidance. The bank offers tailored solutions, like asset management and estate planning, to effectively grow and safeguard their wealth. [ Read Review → ]

  • Minimum credit score: 640
  • Maximum loan: $1,750,000
Down payment Financing
0%up to $1.25 million
5%up to $1.75 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • DVM
  • 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

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

Happy Bank

(AL, AR, FL, TX)

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Online

usually responds within 30 minutes

Happy Bank

(AL, AR, FL, TX)

$100M Closed Loans

Happy Bank, founded in 2001, is an online financial institution offering a range of services including checking accounts, savings accounts, loans, and credit cards, with a commitment to providing outstanding customer service and innovative, user-friendly digital platforms.

High-income professionals can take advantage of Happy Bank's comprehensive financial services. These include personalized wealth management, high-yield savings accounts, exclusive credit opportunities, and tax optimization strategies. The bank also offers bespoke financial consultation to help clients maximize their wealth and achieve financial goals. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $750,000
5%up to $1.25 million
10%up to $1.5 million
15%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • DPM
  • OD
  • CPA
  • Fellow
  • Resident
  • DVM
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • 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

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

Simmons Bank

(AR, IL, KS, MO, OK, TN, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Simmons Bank

(AR, IL, KS, MO, OK, TN, TX)

$100M Closed Loans

Simmons Bank, founded in 1903 in Arkansas, is a full-service financial institution offering a range of banking products and services in multiple states across the US.

High-income professionals can benefit from Simmons Bank's range of services, including wealth management, private banking, investment services, and financial planning. The bank offers personalized solutions tailored to meet their unique financial needs and goals. [ Read Review → ]

  • Minimum credit score: 640
  • Maximum loan: $417,000
Down payment Financing
0%up to $417,000
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • DPM
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Key Terms

  • Arkansas dentist mortgages provide unique benefits such as no PMI requirements and lower down payments, specifically catering to the financial needs of dentists.
  • These loans are designed to help dentists overcome common barriers like high student loan debt and stringent traditional mortgage criteria, enabling easier access to home ownership.
  • Dentists must thoroughly research and compare dentist-specific mortgage programs in Arkansas to ensure they choose the best option that aligns with their financial situation and homebuying goals.

From the vibrant city life in Little Rock to the charming small towns like Fayetteville and Hot Springs, Arkansas offers a diverse range of living environments to suit various preferences. Residents here enjoy a relaxed pace of life, affordable housing options, and a strong sense of community. Whether you’re exploring the Ozark Mountains, fishing in one of the state’s many lakes and rivers, or indulging in delicious Southern cuisine, Arkansas offers a unique blend of Southern hospitality and natural beauty that makes it a wonderful place to call home.

Thanks to its strong industries, the “Natural State” is also home to many professionals, including dentists. In fact, according to data from the Bureau of Labor Statistics, Arkansas is home to 870 dentists.

For many of these medical professionals, one of the best aspects of living in Arkansas is its generally low cost of living. Home prices aren’t necessarily cooperating, however. According to the FED, the median listing price of a single family home is right around $299,900. 

With these prevailing average home prices, many dentists may face difficulties in purchasing a home independently, particularly in high-demand regions or if they carry substantial existing debt. Dentist mortgages step in to provide assistance in such scenarios, offering support tailored to the unique needs of dental professionals.

How do Arkansas dentist mortgages work?

Dentist mortgages in Arkansas operate similarly to traditional mortgages in some respects but offer unique advantages tailored to dentists. To secure a dentist mortgage in Arkansas, follow these guidelines:

  • Research Dentist Mortgage Programs: Begin by exploring the various dentist mortgage programs available in Arkansas. Look for programs that offer specialized benefits for dentists, such as reduced down payments and assistance with closing costs.
  • Assess Your Eligibility: Evaluate whether you meet the eligibility requirements for dentist mortgages. These criteria are often more accommodating than those for traditional loans and take into account factors like your employment history, income stability, and credit score.
  • Explore Program Benefits: Examine the specific benefits provided by dentist mortgage programs. Some programs may offer distinctive perks like forgiveness programs for dentists serving in particular areas or assistance programs for down payments.
  • Network with Lenders: Connect with lenders who offer dentist mortgage programs to gain insights into their specific requirements and offerings. This interaction can help you explore your options and find a program that aligns with your needs.
  • Make an Informed Decision: After conducting thorough research and engaging in discussions with lenders, you’ll be better equipped to make an informed decision regarding whether a dentist mortgage suits your homeownership goals and financial circumstances in Arkansas.

Similar to a DVM/veterinarian or a medical doctor, dentists may find it hard to qualify for conventional mortgages. That’s why some doctors look into things known as “physician home loans” or “physician mortgage loans.” Some states and banks offer these programs but for dentists, too. You can use your new employment contract to help you qualify for a primary residence or refinancing. If you’re someone who was already struggling to get a conventional loan, you may be able to use a dentist mortgage in Arkansas instead. Especially if one of your challenges in getting home financing had to do with your DTI, this is an alternative path. Most dentists leave their education with significant student loans, making it hard for a loan officer to qualify them for a mortgage payment. If you went with a traditional bank like Truist, US Bank, Huntington Bank, First Horizon, or Bank of America, you might not meet the criteria for this program.

Any Arkansas physician, pharmacist, or dentist might find criteria more aligned with their needs by looking outside conventional mortgages to get their new home.

As with all loans, do your research to see how the eligibility criteria match or don’t match your needs. Look at things with each mortgage loan program/originator like:

  • Low down payment options (including any no money down options)
  • Total loan term
  • Minimum credit score
  • Repayment terms
  • Rules on student debt/dti
  • Requirements for private mortgage insurance/pmi

Is an Arkansas dentist mortgage right for me?

If you’re deliberating whether a dentist mortgage suits your needs in Arkansas, it’s crucial to take some steps to evaluate your situation. Begin by assessing your financial standing, considering aspects like income, savings, debts, and credit score, to ascertain how owning a home fits into your overall objectives. Next, delve into the dentist mortgage programs available in Arkansas, examining their eligibility criteria, benefits, and specialized advantages tailored for dentists.

Once you’ve gathered information on dentist mortgages, juxtapose them with traditional mortgage options, taking into account factors like down payment requirements, interest rates, and closing costs. It’s also advantageous to engage with lenders offering dentist mortgage programs to discuss your circumstances and comprehend the merits of their specific offerings.

With all the pertinent information at hand, scrutinize your options meticulously to ascertain if a dentist mortgage offers the optimal blend of benefits and affordability for your Arkansas situation. By methodically considering these steps and weighing your choices, you can arrive at an informed decision about whether a dentist mortgage aligns with your preferences.

Talk to a loan officer to make sure the alternative loan program for DMDs or DDS holders is what you’re really looking for. That includes a deeper dive into some of the specifics of the underwriting requirements for various mortgage lenders like:

  • Whether you can refinance
  • Any loan amount caps
  • Other rules for borrowers
  • Total monthly payments
  • Whether you need an employment contract to secure a loan
  • Any private mortgage insurance/PMI needed
  • Whether you can get fixed rate or adjustable rate mortgages
  • Debt to income ratio limits
  • Other loan options

Although the home buying process can feel overwhelming, you do have many home financial loan options. Much like a medical doctor, dentists might have a lot of student loan debt

Examples of dentists who take out dentist mortgages in Arkansas

Are you nodding along with either of these narratives? If so, you might just be the perfect candidate for a dentist mortgage in Arkansas:

Meet Ruth, a dedicated dentist renowned for her unwavering commitment to pediatric dental care. Despite her steady income and tireless work ethic, Ruth faces a significant hurdle on her journey to homeownership. Hindered by the burden of substantial student loan debt, she finds herself unable to meet the stringent requirements of traditional mortgages. Despite her perseverance, conventional lenders remain hesitant to extend the necessary financing, leaving Ruth feeling disheartened and disillusioned.

Meanwhile, in the bustling capital of Arkansas, Dr. Emily Dobson finds herself navigating the competitive landscape of the housing market. With a desire to establish roots in her community and secure a place to call home, Emily encounters stiff competition and limited options amid the city’s bustling real estate scene. Despite her steadfast efforts and stable income as a healthcare professional, Emily struggles to gain the necessary traction to stand out among other prospective buyers. Frustrated by the limitations of conventional mortgages, Emily seeks alternative solutions that can provide her with the competitive edge required to navigate Little Rock’s bustling market. Turning to a dentist mortgage, Emily finds the leverage she needs without the burden of a hefty down payment.

Looking for a dentist mortgage in a different state?

If you’re looking to explore the best dentist mortgage in other states, click on your state below.

Find a Dentist Home Loan Specialist

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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