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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
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$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 |
$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
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 |
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usually responds within 30 minutes
$100M Closed Loans
Fifth Third, founded in 1858, is a diversified financial services company offering banking, investments, and consumer and commercial lending across the US.
High-income professionals can leverage Fifth Third’s comprehensive financial services which include wealth management, private banking, and investment advisory. These services aim to optimize wealth growth, ensure financial security, and provide custom solutions tailored to individual financial goals. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
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usually responds within 30 minutes
$100M Closed Loans
First Federal Savings And Loan Association Of Lakewood, founded in 1935, is a community-focused bank providing a range of financial services including mortgages, personal banking, and business banking.
High-income professionals can take advantage of various services from First Federal Savings And Loan Association of Lakewood. These include diverse investment options, comprehensive wealth management assistance, and tailored lending solutions. The institution also offers a range of personal and business banking services, prioritizing convenience and security. [ Read Review → ]
| 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 |
$100M Closed Loans
First Financial Bank, founded in 1863, is a regional banking institution headquartered in Cincinnati, Ohio, offering a variety of financial services including personal, business banking, and wealth management.
High-income professionals at First Financial Bank benefit from personalized wealth management services, including investment, retirement, and estate planning. The bank also offers private banking with tailored solutions for complex financial needs. Low-interest rate loans and mortgage options are available, paired with advanced online banking tools for convenience. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
First Merchants, founded in 1893, is a financial services company based in Indiana, offering personal banking, business banking, mortgage services, and wealth management.
High-income professionals can benefit from First Merchants' range of services including wealth management, private banking, and tailored financial advice. These services are designed to optimize asset growth, ensure financial security, and facilitate custom financial strategies. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 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 |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
$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 |
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| 10% | Varies |
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usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $970,800 |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
$100M Closed Loans
Mercantile Bank, established in 1997, is a Michigan-based community bank specializing in commercial and consumer banking, mortgage lending, and wealth management services.
High-income professionals can take advantage of Mercantile Bank's customized services, including personalized wealth management, tax planning, estate planning, and retirement advice. The bank offers business banking solutions, commercial loans, as well as a full suite of digital banking services. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.5 million |
| 10% | up to $2 million |
• Online
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
Old National Bank, founded in 1834, is an Indiana-based financial institution offering a broad range of services including retail and commercial banking, wealth management, and investment services.
High-income professionals can utilize Old National Bank's services for personalized wealth management, including investment management, trust services, and private banking. They also provide retirement plan services, estate planning, and philanthropy management, ensuring comprehensive financial care. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
The Federal Savings Bank, founded in 2000, is a veteran-owned, federally chartered bank offering mortgage services and banking products nationwide.
High-income professionals can leverage The Federal Savings Bank's services for tailored banking solutions. These include wealth management, personalized mortgage options, and private banking. The bank also provides advisory services for investment strategies, optimizing financial assets, and long-term financial planning. [ 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
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 |
High-income professionals are drawn to Kentucky for its stunning landscapes and vibrant cultural scene. The “Bluegrass State” offers everything from the serene countryside to the bustling cities of Louisville and Lexington, with renowned horse races and iconic bourbon distilleries to explore.
With its reasonable living costs and strong sense of belonging, it’s no wonder many individuals, including dentists, are drawn to call Kentucky home. According to the Bureau of Labor Statistics, there are about 1,090 dentists here.
But hey, even with its allure, housing prices are increasing. The median listing price for a single-family home is approximately $299,950, according to the FED. As housing expenses continue rising, dentists might find it challenging to acquire their dream residence.
That’s where dentist mortgages come in handy, offering perks like lower down payments, help with closing costs, and flexible eligibility criteria tailored just for dentists. So, if you’re thinking about settling down in Kentucky, a dentist mortgage could be just the ticket to make it happen.
Kentucky has specialized loan programs tailored for dentists and other healthcare professionals, offering benefits like lower down payments, reduced closing costs, and flexible credit requirements. These programs accommodate the unique pay and work schedules of dentists. Applying for a dentist mortgage follows a similar process to any loan application. Start by exploring the best programs available in the state. Here are some advantages offered by these programs:
Contemplating whether a dentist mortgage in Kentucky is the right choice for you? It’s crucial to understand how it aligns with your unique situation. These specialized loans cater to dentists, offering perks like lower down payments and flexible eligibility criteria, making homeownership more accessible.
To start, take a thorough look at your financial landscape – assess your income, savings, debts, and credit score to gauge your readiness for homeownership. Next, delve into the realm of dentist mortgage programs available in Kentucky. Compare them with traditional options, considering factors such as interest rates, down payment assistance, and qualification criteria.
Engage with lenders specializing in dentist mortgages to gain insights and advice tailored to your profession. Additionally, explore any educational resources or counseling services offered by these programs to enhance your understanding of the home buying process.
By conducting diligent research and seeking guidance, you’ll be equipped to make an informed decision about embarking on your homeownership journey in the vibrant Bluegrass State.
If you’re a borrower who wants to get approved in the home buying process, you might have already seen that it’s hard to do so with conventional mortgages. Medical professionals like medical doctors, medical residents, pharmacists, CRNAs and other nurses, and podiatrists may all struggle to get approved with traditional loans. For a DDS, DMD, DPM, or DVM looking to get into a primary residence, you may need to look for the dentist version of a physician home loan/physician mortgage loan. Here, you use your employment contract to qualify for underwriting and loan approval.
With any home financing options you look at, you need to compare what it looks like in terms of important factors like:
In most cases, you’ll use your new job to qualify for these alternative mortgage options. If you were unable to get approved for conventional loans with Keybank, US Bank, Truist, National Bank, Huntington Bank, Fifth Third Bank, Regions Bank, Citizens Bank, or some other member FDIC location, you can still explore medical professional loans just like a medical doctor would look into a doctor mortgage loan. Various mortgage lenders will be able to help you get a sense of their loan application process so you can start searching for that new home on the NMLS.
With these loans, your start date for your new job will determine if you qualify for the loan, so check on how far out you can apply for these financing options. Just like a Kentucky physician loan program or physician mortgage program, your student loan payments may not be taken into consideration as much as they would with a conventional loan.
Do these scenarios resonate with you? If they do, a dentist mortgage in Kentucky might be precisely what you need:
Dr. Allen, an experienced dentist in Lexington, has been deeply committed to serving her community for years. Now, she’s eager to take the plunge into homeownership and set her sights on a charming townhome just down the street from the hospital. However, navigating Lexington’s competitive housing market proves to be quite a challenge, especially on a single healthcare professional’s income. With soaring housing costs and limited options, Dr. Allen is exploring potential solutions and considering a dentist mortgage to turn her homeownership dreams into a reality. She remains hopeful that with the assistance of a dentist mortgage program, she’ll find a townhome that not only fits her budget but also complements her lifestyle, allowing her to continue her invaluable work in healthcare.
Dr. Bailey, an experienced dentist working tirelessly at a rural clinic nestled in the heart of Kentucky’s picturesque countryside, faces obstacles in qualifying for a mortgage. With limited options in the local housing market and mounting costs, Dr. Bailey remains steadfast in her pursuit of finding a solution that aligns with her budget and lifestyle. Considering her circumstances, she explores the possibility of securing a dentist mortgage, hoping it will provide the financial assistance and flexibility she needs to realize her dream of homeownership in Kentucky’s serene rural landscape. Fortunately, it proves to be the perfect solution, offering her favorable terms and even recognizing her contributions to serving in a rural setting.
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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