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JD MORTGAGE® connects you with lenders offering low to no down payment mortgages designed specifically for high-income professionals. We find the lenders that allow jumbo loan balances, relaxed debt-to-income ratios and typically do not require private mortgage insurance (PMI).
Offered exclusively through Biglaw Investor, we make it incredibly simple to find the best mortgage for your home financing needs.
I’m an associate at a firm in Houston and used JD Mortgage thanks to your advice! The experience was great—they were super fast and responsive.” —Mary Kate Raffetto Beck Redden LLP
For a JD Mortgage, I had good luck with IBERIABank. [They] made this process very smooth.” —Clint Cowan Lynn Pinker Hurst & Schwegmann
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
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usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| % | Varies |
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.25 million |
| 5% | up to $1.75 million |
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usually responds within 30 minutes
$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 → ]
| 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 |
$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 → ]
| Down payment | Financing |
|---|---|
| 3% | up to $825,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1 million |
| 10% | up to $2 million |
| 15% | up to $3 million |
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usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Citizens Bank, founded in 1828, is a major U.S. commercial bank offering a comprehensive range of retail and commercial banking products and services.
High-income professionals can take advantage of various services from Citizens Bank, including wealth management and investment opportunities. They also offer private banking, retirement planning, and estate services. High-net-worth individuals can benefit from personalized financial strategies, designed to optimize their wealth and secure their financial futures. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | up to $850,000 |
| 10% | up to $1 million |
| 15% | up to $1.5 million |
$100M Closed Loans
Fidelity Bank, founded in 1905, is a comprehensive financial institution offering diverse services including personal, business banking, and wealth management.
High-income professionals can leverage Fidelity Bank's services which include personalized wealth management, comprehensive financial planning, and investment management. Additional services encompass retirement planning, tax strategy, and estate planning, all designed to maximize and protect their wealth. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
$100M Closed Loans
First Bank, established in 1935, is a comprehensive financial institution offering a broad range of banking, insurance and investment services across the globe.
High-income professionals can take advantage of a host of services from First Bank. These include personalized wealth management, high-yield savings accounts, and exclusive credit offerings. Additionally, they offer robust investment services, tailored mortgage options, and comprehensive insurance products. First Bank prioritizes privacy, ensuring secure transactions every time. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $400,000 |
| 5% | up to $1 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
• Online
usually responds within 30 minutes
$100M Closed Loans
First Federal Bank of Kansas City, established in 1934, is a community-focused institution providing comprehensive banking services including loans, deposits, and mortgage options.
High-income professionals can leverage First Federal Bank of Kansas City's suite of services, including specialized loan programs, wealth management advice, and personalized banking. The bank offers comprehensive financial solutions, such as mortgages, savings accounts, checking accounts, and online banking to facilitate seamless financial management. [ Read Review → ]
| Down payment | Financing |
|---|---|
| % | up to $1.5 million |
| 0% | up to $1 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
First National Bank of Omaha, founded in 1857, is the largest privately-owned bank in the U.S., offering a full range of banking and financial services across multiple states.
High-income professionals can take advantage of the First National Bank of Omaha's services, which include wealth management, comprehensive financial planning, private banking, and trust services. FNBO also offers personalized strategies for investment, estate planning, and managing retirement assets. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
$100M Closed Loans
Flagstar Bank is a full-service bank and one of the largest regional banks in the country, offering a broad range of consumer and commercial financial solutions, including banking, home lending, private banking, and wealth management.
High-income professionals can utilize Flagstar's mortgage products which are specifically built for physicians and other high-income professionals. These loans may have flexible qualifications, lower costs than a conventional mortgage, and low or even no down payment. You must be within 10 years of starting your profession. There are also jumbo loan options up to $3 million. Flagstar Bank N.A. is an Equal Housing Lender | Member FDIC. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $3 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 10% | Varies |
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usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 10% | up to $1 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $417,000 |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $5 million |
Nestled in the heart of the Midwest, Kansas, known as the Sunflower State, offers an ever-changing landscape of wide-open prairies, rolling hills, and scenic countryside. Outdoor enthusiasts revel in the opportunities for hiking, fishing, and camping, while the state’s rich agricultural heritage and friendly communities embody quintessential Midwestern hospitality. With vibrant cities like Lawrence and Manhattan, Kansas provides cultural attractions, entertainment, and employment prospects across various industries, contributing to its appeal as a desirable place to settle down.
In the healthcare sector, Kansas accommodates a significant number of professionals, including 870 dentists, as reported by the Bureau of Labor Statistics. Despite its charms, purchasing a home in Kansas is becoming increasingly challenging, mirroring the nationwide trend of rising housing costs. The median listing price of a single-family home stands around $295,475, according to the FED, creating a barrier for many dentists aspiring to own property in the state.
Fortunately, dentist mortgages offer a lifeline to dental professionals seeking homeownership in Kansas. Tailored specifically for dentists, these specialized loans aim to streamline the home buying process, providing accessible financing options to navigate the competitive real estate market in the Sunflower State.
Dentist mortgages come with their fair share of advantages and disadvantages. However, the benefits of these specialized mortgage programs are particularly noteworthy. Designed to cater to the specific financial challenges faced by dentists, they serve as a valuable tool for making homeownership a reality in Kansas, despite the competitive housing market. By utilizing dentist mortgages, dentists in the Sunflower State can surmount the hurdle of exorbitant housing costs and turn their homeownership aspirations into reality.
Yet, alongside these benefits, it’s essential to acknowledge the potential drawbacks associated with dentist mortgages in Kansas. One notable concern is the possibility of higher interest rates compared to conventional mortgages. Rates, of course, are contingent upon factors such as the lender’s policies and the borrower’s financial status.
Dentist mortgage programs may also entail additional fees or closing expenses, contributing to the overall cost of owning a home. Finally, the availability of dentist mortgages may be more limited compared to traditional options, as they are typically offered by specialized lenders catering to the dental community. While dentist mortgages often feature more lenient eligibility criteria, not all dentists may qualify, depending on their unique financial circumstances.
Feeling a bit uncertain about stepping into the world of dentist mortgages in Kansas? Let’s break it down into a few simple steps to help you navigate the process.
First things first, take a good look at your financial situation. Check out your income, savings, debts, and credit score to see how purchasing a home fits into your overall plans.
Once you’ve got a handle on that, it’s time to do a bit of sleuthing on dentist mortgage programs available in Kansas. See what they bring to the table, from eligibility criteria to those special perks designed just for dentists.
Now that you’ve done your homework on dentist mortgages, let’s compare them to the traditional options out there. Take a look at things like down payment requirements, interest rates, and those sneaky closing costs.
And hey, don’t hesitate to have a chat with lenders who specialize in dentist mortgages. They’ve got all the inside info on the benefits and can help guide you through your choices.
After weighing all your options, it’s decision time. Take a good look at the pros and cons we’ve listed above to figure out which option aligns best with your goals and budget in Kansas. With a bit of research and some careful consideration, you’ll be well-equipped to make an informed choice about whether a dentist mortgage is the right fit for you.
For dentists and other medical professionals like CRNAs or pharmacists looking to enter a loan program in Kansas, a high amount of student loan debt could hold them back from meeting a conventional mortgage requirement for debt to income ratio. For any dentist with a designation like DDS, DPM, DMD, or DVM, look into the dentist version of physician mortgage loans and compare various aspects of underwriting for a primary residence like:
With many mortgage options out there with various mortgage lenders, it’s good to compare qualifying criteria so you can choose the best loan for you. Just like a medical doctor would use a physician home loan with their employment contract to get approved for a higher loan amount, you too can look into dentist mortgages to qualify for a new home.
You can look into traditional lenders or FHA loans connected to places like Huntington Bank, First National Bank, Keybank, or US Bank, too. Once you find a new home on the NMLS or with the help of a real estate agent in the area, you can start your full loan application for your home financing. Once you’re settled with your total loan payment on your various loan options, you can talk to a loan officer about applying.
Read through the examples we’ve included here. If they resonate with you, you may be a great fit for a dentist mortgage:
Dr. Kennedy has been the heart and soul behind a bustling family dentist practice right in the heart of Wichita for years now. With her passion for dental care and dedication to her patients, Dr. Kennedy dreams of owning a home where she can unwind after long days at the clinic. However, her high debt-to-income ratio has been holding her back from securing a traditional mortgage. That’s where a dentist mortgage comes into play, offering Dr. Kennedy a tailored solution to make her dream of homeownership a reality. With the right financing in place, Dr. Kennedy is excited to take the next step towards owning her own piece of Wichita.
Dr. Martin is a dedicated dentist serving an underserved rural community in Dodge City, Kansas. With a strong commitment to improving oral health outcomes, Dr. Martin has made it his mission to provide essential dental care to those in need. Despite the challenges of practicing in a remote area, Dr. Martin’s passion for his work remains unwavering. Thanks to his invaluable service to the community, Dr. Martin qualifies for a dentist mortgage with special benefits tailored to his unique circumstances. With this support, Dr. Martin can continue his important work while realizing his dream of owning a home in the place he serves with such dedication.
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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