Dentist Mortgages in Missouri


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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

Alliant Credit Union

(AZ, CO, GA, IL, KS, MN, MO, NC, NV, SC, TN, UT, WA)

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Online

usually responds within 30 minutes

Alliant Credit Union

(AZ, CO, GA, IL, KS, MN, MO, NC, NV, SC, TN, UT, WA)

$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 → ]

  • Minimum credit score: Not reported
  • Maximum loan: Varies
Down payment Financing
%Varies
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

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

Bell Bank

(AZ, CO, KS, MN, MO, ND, NM, TN, WI)

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Online

usually responds within 30 minutes

Bell Bank

(AZ, CO, KS, MN, MO, ND, NM, TN, WI)

$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 → ]

  • Minimum credit score: 720
  • Maximum loan: $2,000,000
Down payment Financing
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
  • DVM
  • 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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Online

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

Fidelity Bank

(KS, MO, OK)

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Online

usually responds within 30 minutes

Fidelity Bank

(KS, MO, OK)

$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 → ]

  • Minimum credit score: 720
  • Maximum loan: $750,000
Down payment Financing
0%up to $750,000
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First Bank

(CA, IL, KS, MO, NE)

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Online

usually responds within 30 minutes

First Bank

(CA, IL, KS, MO, NE)

$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 → ]

  • Minimum credit score: 720
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $400,000
5%up to $1 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • JD
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • DC
  • CPA
  • PhD
  • RN

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

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Online

usually responds within 30 minutes

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

$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 → ]

  • 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 $1.5 million
20%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • NP
  • PA
  • DC
  • DVM
  • PharmD
  • JD
  • CPA
  • PhD
  • RN

First Federal Bank Of Kansas City

(KS, MO)

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Online

usually responds within 30 minutes

First Federal Bank Of Kansas City

(KS, MO)

$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 → ]

  • Minimum credit score: Not reported
  • Maximum loan: $1,500,000
Down payment Financing
%up to $1.5 million
0%up to $1 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • PharmD
  • NP
  • PA
  • DVM
  • CRNA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First National Bank of Omaha

(CO, IA, IL, KS, MO, NE, SD, WY)

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Online

usually responds within 30 minutes

First National Bank of Omaha

(CO, IA, IL, KS, MO, NE, SD, WY)

$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 → ]

  • Minimum credit score: 720
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $850,000
5%up to $1.25 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • DPM
  • DVM
  • OD
  • DC
  • PhD
  • RN

Flagstar

(All 50 States Except NY)

Match Banks Contact Send Email

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)

Match Banks Contact Send Email

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

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

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

UMB Mortgage Solutions

(AZ, CO, KS, MO, NE, OK, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

UMB Mortgage Solutions

(AZ, CO, KS, MO, NE, OK, TX)

$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 → ]

  • Minimum credit score: 700
  • Maximum loan: $5,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • OD
  • PharmD
  • JD
  • Fellow
  • Resident
  • DPM
  • DVM
  • CRNA
  • NP
  • PA
  • DC
  • CPA
  • PhD
  • RN

Key Terms

  • Missouri dentist mortgages provide specific benefits such as no PMI and minimal down payments, making homeownership more accessible for dentists facing financial hurdles like high student debt.
  • These loans are tailored to the unique financial situations of dental professionals, offering assistance with closing costs and adaptable eligibility criteria that recognize the challenges of managing multiple income sources or irregular work schedules.
  • Dentist mortgages in Missouri differentiate from traditional loans by providing specialized options that cater to the needs of healthcare professionals, easing the process of buying a home and allowing dentists to invest in their futures with greater confidence.

From the vibrant streets of St. Louis and the cultural hub of Kansas City to the tranquil beauty of the Ozark Mountains and the scenic vistas along the Mississippi River, the state provides a rich tapestry of experiences for residents to explore. With a lower cost of living compared to many other states, Missouri allows for comfortable living while offering a range of amenities and recreational opportunities. Residents can enjoy outdoor activities such as hiking, fishing, and camping in the state’s numerous parks and natural areas. Additionally, Missouri’s rich history, thriving arts scene, and renowned barbecue cuisine contribute to its unique and appealing lifestyle.

With that high quality of life, Missouri is attractive for many professionals seeking a place to call home, including many dentists. According to the Bureau of Labor Statistics, Missouri is home to 2,200 dentists.

Overall, Missouri offers a relatively affordable lifestyle, allowing residents to enjoy its unique culture and attractions without putting a strain on their finances. However, housing costs present a challenge, with affordability being less attainable. According to the FED, the median listing price of a single-family home in the state currently stands at $299,900. 

As housing expenses continue to rise in Missouri, dentists may face increasing difficulty in affording a home in the Show Me State. Dentist mortgages provide a specialized solution, offering benefits such as reduced down payments, assistance with closing costs, and flexible eligibility requirements.

The advantages of dentist mortgages

In Missouri, dentist mortgages can give dentists a wide range of advantages. These mortgages are finely tuned financial instruments designed specifically to accommodate the financial circumstances of dentists, facilitating their journey towards homeownership in the face of a competitive housing market. These tailored benefits are meant to assist dentists in navigating escalating housing costs and enable them to realize their aspirations of owning a home. 

Are there disadvantages? Sure, including the likelihood of encountering higher interest rates compared to conventional mortgages. That is, however, contingent upon the financial standing of both the lender and borrower. There’s also a possibility of incurring supplementary fees or closing costs, amplifying the overall expense associated with home purchase. 

The accessibility of these programs is restricted at times, too, given how specialized they are. That’s why we put together the list below to help dentists get started. 

What makes Missouri dentist mortgages different from other loans?

So, you’ve probably heard about dentist mortgages, right? They’re also known as physician or healthcare professional mortgages, and they’re not your typical home loans. What sets them apart? Well, for starters, these specialized mortgage programs are designed specifically with dentists in mind. They get that dentists face some unique financial challenges, like irregular work schedules, hefty student loan debt, or maybe not being able to put down a huge down payment.

But here’s the cool part: dentist mortgages often come with perks tailored to help healthcare pros like dentists buy a home. Think lower down payment requirements, maybe even no private mortgage insurance premiums, and sometimes special forgiveness programs for those practicing in underserved areas. Basically, they’re trying to make it easier for dentists to own a home, even with all the hurdles they might face in the housing market.

Plus, applying for a dentist mortgage could be a smoother ride compared to the traditional route. These lenders specialize in working with healthcare professionals, so they get your unique financial situation. They can give you personalized advice and support throughout the application process, making it less of a headache. All in all, dentist mortgages aim to make homeownership more within reach for dentists, helping them navigate the homebuying journey with a bit more ease and confidence.

If you have already attempted to pursue a traditional loan program, either for a primary residence or refinance and have found it challenging, you are not the only medical professional to attempt to overcome these hurdles. Dentists, such as those that have a designation of DDS, DMD, DMV or DMP may struggle to obtain a primary residence with conventional loans. They, like other medical professionals such as medical doctors, pharmacists, CRNAs, medical residents, and nurse practitioners may not meet the qualifying criteria for conventional loans. This is why, for example, medical doctors turn to a physician loan program to get a new home instead. Your loan options may vary, and you should always do your research to determine what is applicable to your individual situation.

Each mortgage lender will have their own underwriting requirements, such as the maximum loan amount qualifying with an employment contract, closing costs, minimum credit score, debt to income ratio/DTI, whether you can get no or low down payment, eligibility periods for refinancing, and fixed rate versus adjustable rate mortgages. You can always ask questions of a loan officer before initiating your loan application. If you already attempted to pursue fixed rate options or conventional loans with a loan application with places such as US Bank, Huntington Bank, First National Bank of Omaha or other traditional lenders, a dentist mortgage may help you overcome these obstacles and get into a new home quickly.

Just like medical doctors use alternative financing options known as physician home loans, physician mortgage loans, or doctor loans with a start date on a new employment contract to qualify them for a home purchase, dentists can also use healthcare professional loans to get approval. If you’re a DPM or DVM who was turned down for a conventional mortgage with other banks, check the loan limits and loan terms with a dentist mortgage instead. From there, you can research houses in your budget on the NMLS or with the help of a realtor.

Examples of dentists who take out dentist mortgages in Missouri

Are these situations ringing a bell? If they resonate with you, a dentist mortgage in Missouri could be an excellent option to consider:

Meet Dr. Smith, a pediatric dentist practicing in a suburban area of St. Louis. As the real estate market in the area continues to thrive, Dr. Smith is eager to gain more leverage in securing his dream home. With housing prices on the rise, however, he recognizes the need for a financial solution that aligns with his profession and goals. Opting for a dentist mortgage provides Dr. Smith with the leverage he seeks, offering tailored benefits such as reduced down payments, assistance with closing costs, and flexible eligibility criteria. With a dentist mortgage in hand, Dr. Smith is well-equipped to navigate the competitive real estate market in St. Louis and turn his homeownership aspirations into reality.

Dr. Johnson is a rural dentist happily serving the small town of Taylor but with one, big problem— he’s saddled with a significant amount of student debt. Despite his dedication to serving his community, Dr. Johnson has found it hard to qualify for a traditional mortgage. Having discovered a dentist mortgage program that offers special consideration to healthcare professionals like himself, Dr. Johnson now believes he can buy a home. With this specialized mortgage option, Dr. Johnson receives the support he needs to overcome barriers to homeownership, including lower down payment requirements, reduced interest rates, and flexible eligibility criteria tailored to his unique circumstances. Thanks to the assistance provided by the dentist mortgage program, Dr. Johnson can fulfill his dream of owning a home in his rural community while continuing to make a positive impact on the lives of his patients.

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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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