Dentist Mortgages in Idaho


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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

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

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

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

Shoreham Bank

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

Match Banks Contact Send Email

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

The Huntington National Bank

(CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

The Huntington National Bank

(CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY)

$100M Closed Loans

The Huntington National Bank, established in 1866, is a full-service banking provider serving consumers, small businesses, and commercial markets primarily in the Midwest and Southeast U.S.

High-income professionals can leverage Huntington National Bank's wealth management services, which include financial planning, investment management, private banking, and trust services. These offerings are designed to optimize wealth growth, sustain income, and secure financial futures. [ 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 $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • DPM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • 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

Key Terms

  • Idaho offers dentist mortgages tailored to dental professionals, providing benefits such as no PMI, lower down payments, and understanding the unique financial situations of dentists.
  • These mortgages are designed to assist dentists in overcoming barriers to homeownership, offering financial aids like down payment assistance and more lenient eligibility criteria compared to traditional loans.
  • While beneficial, dentists should be aware of potential drawbacks such as limited availability, potentially higher interest rates, and extra fees compared to standard mortgages.

Imagine yourself surrounded by the majestic peaks of the Sawtooth Mountains, the serene beauty of Coeur d’Alene Lake, or the tranquil riverside charm of Boise. If you’re someone who thrives in the great outdoors and values a laid-back lifestyle, Idaho, aptly nicknamed the Gem State, could be your perfect haven. Whether you’re an avid adventurer seeking hiking trails in Sun Valley, a winter sports enthusiast hitting the slopes in McCall, or simply yearning for peace and quiet in the quaint towns of Sandpoint or Idaho Falls, Idaho offers a diverse tapestry of landscapes and experiences to suit every taste.

With a population reliant on accessible healthcare services, Idaho’s healthcare industry is flourishing and encompasses a spectrum of facilities from bustling hospitals to cozy clinics and private practices. As a result, numerous dentists have chosen to make Idaho their home. According to data from the Bureau of Labor Statistics, Idaho is home to 530 dentists who contribute to the state’s robust healthcare workforce.

While Idaho boasts a generally affordable cost of living, the escalating prices of homes, particularly in tourist and ski destinations, present a growing challenge. The median listing price of a single-family home in the state currently stands at $573,248, according to the FED, making homeownership increasingly elusive for dentists, especially in sought-after areas. Dentist mortgages provide a tailored solution to this dilemma, offering benefits such as reduced down payments, assistance with closing costs, and more flexible eligibility criteria, enabling dentists to navigate the housing market with greater ease and affordability.

How is an Idaho dentist mortgage different from other loans?

In Idaho, dentists have access to specialized mortgage options designed specifically to meet their unique needs. Here’s how a dentist mortgage differs from a traditional mortgage:

  • Flexible Eligibility Criteria: Dentist mortgages offer more lenient eligibility requirements, accommodating dentists with sizable student debt, for example. This flexibility makes it easier for dentists to qualify for a mortgage.
  • Specialized Benefits: Dentist mortgages often come with tailored benefits, such as assistance with down payments or forgiveness programs for dentists serving in underserved areas. These benefits help dentists overcome financial barriers to homeownership.
  • Understanding of Dental Profession: Lenders offering dentist mortgages have a deeper understanding of the dental profession. They consider factors like overtime pay and income from multiple jobs, ensuring a more accurate assessment of a dentist’s financial situation.
  • Waived Private Mortgage Insurance (PMI): Some dentist mortgage programs waive the requirement for private mortgage insurance, resulting in cost savings for borrowers. This allows dentists to enjoy lower monthly payments compared to traditional mortgages.

In short, dentist mortgages in Idaho provide a tailored and understanding approach to home financing, making homeownership more accessible and affordable for dentists in the state.

The pros and cons of pursuing an Idaho dentist mortgage

Like many financial decisions, opting for a dentist mortgage involves considering its advantages and drawbacks:

Pros:

  • Tailored for Dentists: Dentist mortgages are custom-made for dental professionals, featuring more lenient eligibility criteria and specialized benefits tailored to their unique needs.
  • Assistance Programs: Many dentist mortgage programs offer aid with down payments, closing costs, or forgiveness programs, especially beneficial for dentists serving in underserved areas.
  • Lower Interest Rates: Certain dentist mortgage programs may provide lower interest rates compared to traditional mortgages, potentially leading to significant long-term savings.
  • No Private Mortgage Insurance (PMI): Some dentist mortgage programs waive the need for PMI, reducing monthly mortgage expenses for borrowers.

Cons:

  • Limited Availability: Dentist mortgages might not be as widely accessible as traditional mortgages, as they’re typically offered by specialized lenders catering to the dental community.
  • Higher Interest Rates: While some dentist mortgage programs offer lower interest rates, others may come with higher rates compared to traditional mortgages, depending on various factors.
  • Additional Fees: Certain dentist mortgage programs may entail extra fees or closing costs, requiring borrowers to carefully review the terms before proceeding.
  • Eligibility Requirements: Despite flexible criteria, borrowers must still meet specific requirements, and not all dentists may qualify for these specialized loans.

In conclusion, any dentist contemplating a dentist mortgage should carefully evaluate the pros and cons based on their individual financial objectives and circumstances.

For many borrowers with a professional designation like DDS, DMD, DPM, or DVM, you may need to look at other home loan programs for medical professionals. For home buyers looking at these versus conventional loans, the comparable version of physician mortgage loans can assist you by using your new job and employment contract to get your foot in the door with a new home.

Healthcare professionals like Idaho physicians/medical doctors, medical residents, pharmacists, CRNAs, podiatrists, and veterinarians often have major student loan debt when they finish their studies. Looking at alternative loan options can help you figure out which bank to go with, and some options may include Keybank, US Bank, Huntington Bank, or other member FDIC location.

Always compare every loan you look at whether it’s the dentist version of a physician home loan (used for medical doctors) or a conventional mortgage. Mortgage lenders have their own rules based on the financing options and you should learn everything you can about your choices and the underwriting process. That means reviewing or talking to loan officers about things such as:

  • Minimum credit score
  • Low down payment mortgage products or down payment requirements
  • Fixed rate vs adjustable rate mortgages
  • Start date rules for your employment contract
  • Loan term/repayment timeline
  • If jumbo loans apply
  • Refinancing rules
  • Debt to income ratio (DTI)
  • Maximum loan amount
  • Other qualifying criteria
  • Monthly payment options

Once you know you have a good mortgage lender in line, and you’ve been pre-approved for your target loan amount, you can start looking for a primary residence on the NMLS or with the help of a real estate agent.

Examples of dentists who take out dentist mortgages in Idaho

Do these scenarios resonate with you? If they do, then you might find a dentist mortgage in Idaho to be the perfect solution:

Dr. Emil has been eyeing a picturesque farmhouse in the quaint town of Moscow, nestled amidst the rolling hills of the Palouse region. However, faced with fierce competition and limited housing options, she needs a financing solution to gain the edge necessary to secure her dream property. Turning to a dentist mortgage, she discovers a tailored solution that offers favorable terms, empowering her to confidently pursue her homeownership goals. With the assistance of the dentist mortgage, Dr. Emil embarks on an exciting journey toward owning a piece of serenity in the stunning Idaho landscape.

In the charming town of Sandpoint, nestled along the shores of Lake Pend Oreille, Dr. Carter has dedicated himself to providing exceptional dental care to the community. Yet, when it comes to purchasing a home, he encounters a significant obstacle. Dr. Carter’s substantial student debt poses a challenge in securing a traditional mortgage, leaving him feeling disheartened and stuck. However, upon learning about dentist mortgages tailored for professionals like him, Dr. Carter sees a glimmer of hope. With a dentist mortgage, he envisions the possibility of turning his dream of homeownership in his beloved Idaho community into a reality.

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.

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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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