Dentist Mortgages in Mississippi


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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

Citizens Bank

(CA, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NJ, NY, OH, PA, RI, SC, TN, TX, VA, VT, WV)

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usually responds within 30 minutes

Citizens Bank

(CA, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NJ, NY, OH, PA, RI, SC, TN, TX, VA, VT, WV)

$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 → ]

  • Minimum credit score: 680
  • Maximum loan: $1,500,000
Down payment Financing
5%up to $850,000
10%up to $1 million
15%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • 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

Laurel Road

(All 50 States)

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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

The Federal Savings Bank

(CO, CT, DC, GA, IA, IL, IN, KY, MA, MD, MI, MN, MS, MT, NC, ND, NJ, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

The Federal Savings Bank

(CO, CT, DC, GA, IA, IL, IN, KY, MA, MD, MI, MN, MS, MT, NC, ND, NJ, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY)

$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 → ]

  • 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
  • DPM
  • DVM
  • 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

  • Mississippi dentist mortgages are specially designed for dentists, offering minimal to no down payment options and a less stringent approval process to help overcome the financial barriers of buying a home.
  • These loans are tailored to accommodate the unique financial challenges that dentists face, such as high student loan debt, providing support like lower initial costs and potentially no private mortgage insurance.
  • By simplifying the mortgage application process and offering flexible qualification criteria, Mississippi dentist mortgages make homeownership more accessible to dental professionals, even in a competitive housing market.

Mississippians relish in the charm of their southern hospitality and rich cultural heritage. From the bustling streets of Jackson, the capital city, to the historic riverfront of Vicksburg, and the serene coastal vibes of Biloxi, Mississippi offers a diverse tapestry of experiences. Affectionately called “The Magnolia State,” Mississippi warmly welcomes residents with its affordable cost of living, allowing for a comfortable lifestyle amidst its picturesque landscapes. However, as housing prices witness an upward trend, some residents may encounter challenges in purchasing homes. Despite this, Mississippi’s towns and cities remain vibrant hubs of community and tradition, providing residents with a unique and fulfilling quality of life.

Mississippi’s thriving healthcare sector, particularly its outreach to rural communities, attracts numerous dental professionals to the state’s vibrant landscape, as well. As evidenced by data from the Bureau of Labor Statistics, 720 dentists contribute to the healthcare fabric of the Magnolia State, highlighting its appeal to medical practitioners.

Despite Mississippi’s generally affordable cost of living akin to its mild winters, the housing market witnesses an upward trajectory in prices. With the median listing price of a single-family home hovering around $289,900 according to FED statistics, purchasing a home presents challenges for many dental professionals.

However, amidst these dynamics, dentists in Mississippi have viable solutions at their disposal, including specialized mortgage options tailored to their needs.

What makes a Mississippi dentist mortgage different?

Dentist mortgages stand out from conventional loans in several significant ways:

Customized Benefits: Dentist mortgages are crafted with benefits tailored specifically to the needs of dentists. These perks often include reduced down payments, assistance with closing costs, and flexible eligibility criteria. By acknowledging the unique financial challenges dentists may encounter, these benefits make the prospect of homeownership more achievable.

Specialized Programs: Dedicated mortgage programs are available exclusively for dentists, providing options designed to address their particular circumstances. These programs may feature forgiveness initiatives for dentists serving in specified areas, additional incentives for those practicing in rural communities, and specialized support for dentists burdened by substantial student loan debt.

Understanding Dentist Debt Lenders offering dentist mortgages possess a deep understanding of the intricacies of dentist debt so often incurred by school costs. This translates into more accurate assessments of affordability and eligibility, ensuring that dentists receive fair treatment throughout the mortgage application process.

How do Mississippi dentist mortgages work? 

Securing a dentist mortgage in Mississippi follows a process akin to traditional loans but with its own unique twists. Here’s a roadmap to set you on the right path:

  • Exploration: Begin your journey by researching the array of dentist mortgage programs tailored for Mississippi. Dive into the specifics of each program, assessing their individual eligibility criteria, benefits, and exclusive offerings for dentists. Through careful comparison, identify the programs that align most closely with your financial situation and homeownership goals.
  • Document Compilation: Assemble essential financial documentation showcasing your income, employment history, savings, and outstanding debts. These records play a pivotal role in allowing lenders to gauge your financial standing and determine your suitability for a dentist mortgage.
  • Pre-Approval Pursuit: Present your financial records to a lender to obtain pre-approval. This crucial step provides clarity on the borrowing capacity available to you and demonstrates your seriousness to prospective sellers. With pre-approval in hand, embark on your house-hunting journey with confidence, knowing your budgetary limits.
  • Application Completion: Once you’ve discovered your ideal home, collaborate closely with your lender to finalize the mortgage application and secure your desired interest rate. Ensure all requisite paperwork is accurately filled out, paving the way for the closing phase where you’ll officially join the ranks of homeowners in the Magnolia State.

For plenty of medical professionals, it can be hard to get approved for a conventional mortgage/home loan from somewhere like US Bank, Huntington Bank, or KeyBank. Even if you have professional designations such as DDS, DMP, or DVM, these traditional loan programs from most mortgage lenders have very strict rules in place. The loan officers have little to no discretion to push someone through, such as if that borrower has high student loan debt that throws off their debt to income ratio (DTI.) Just like a medical doctor can use a doctor mortgage/physician home loan/physician mortgage loan to instead get approved, dentists may be able to find similar programs.

If you already tried to get approved for a conventional loan as a DPM, DDS, DMD, or DVM with a bank like First Horizon, Truist, US Bank, or another member FDIC bank, you might need to instead use your start date and employment contract to get approved as a home buyer with a dentist mortgage.

Healthcare professionals seeking a primary residence should evaluate all aspect of a new loan for home financing, including verifying details such as:

  • Max loan amount
  • Total monthly payments/mortgage payments
  • Minimum credit score
  • Loan limits
  • Low down payment
  • Fixed rate options vs adjustable rate mortgages
  • Any penalties for early loan payments/repayment
  • No private mortgage insurance/PMI
  • When you can refinance/options for refinancing
  • Down payment options
  • If you can use your new job/employment contract alone
  • Underwriting timelines
  • Other eligibility requirements

Just like a Mississippi physician would use physician mortgage lenders/ a physician mortgage program to get into a new home, you might be able to use a dentist mortgage to find your dream home and purchase it. The home buying process may vary from one mortgage lender to another.

Examples of dentists who take out dentist mortgages in Mississippi

Do you recognize yourself in these scenarios? You might just be a prime candidate for a Mississippi dentist loan:

For Dr. Masterson, establishing her own practice was the culmination of years of hard work and dedication to her dental career. However, as rental prices in the city soar unexpectedly due to an influx of newcomers, Dr. Masterson finds herself struggling to afford a place of her own in Biloxi. Just when she begins to feel disheartened, a colleague mentions dentist mortgages as a potential solution. Intrigued, Dr. Masterson explores the options and discovers a program offering favorable interest rates and the opportunity to purchase a home with minimal down payment. With a dentist mortgage, she envisions settling into a charming home just a stone’s throw away from her workplace, all while managing her student loan obligations.

Meanwhile, across the state, Dr. Papadopoulos faces a similar dilemma. Despite her extensive experience and great income, she feels trapped in the rental market and uncertain about her prospects for homeownership. Even with her steady income, Dr. Papadopoulos struggles to navigate the competitive housing landscape and meet the financial demands of purchasing a home. Faced with mounting rent prices and limited savings, Dr. Papadopoulos’s confidence wanes. However, the prospect of a dentist mortgage offers a glimmer of hope. With tailored benefits for professionals working in rural areas and the option to secure a home without a down payment, Dr. Papadopoulos sees a path forward towards achieving her dream of homeownership.

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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