Dentist Mortgages in Nevada


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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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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

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

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

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

Shoreham Bank

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

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Shoreham Bank

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

$100M Closed Loans

Shoreham Bank, founded in 1860, is a reputable financial institution offering a comprehensive range of banking services including loans, savings, and online banking.

High-income professionals can take advantage of various services from Shoreham Bank. These include specialized checking and savings accounts, tailored investment advice, estate planning, and personalized loan options. The bank also offers a private banking service, providing dedicated financial advisors for comprehensive wealth management. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
15%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • DC
  • JD
  • CPA
  • PhD
  • RN

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

  • Nevada dentist mortgages provide significant advantages such as no PMI and very low down payments, specifically tailored to meet the financial needs of dentists.
  • These mortgages accommodate dentists by offering more flexible approval criteria, which can be particularly beneficial for those with high student loan debt or those who need flexibility due to irregular income.
  • Dentist mortgages in Nevada are designed to make home buying more accessible and financially feasible for dental professionals, even in the state’s competitive housing markets like Las Vegas and Reno.

Nevada, often referred to as the Silver State, is renowned for its dazzling entertainment scene and breathtaking natural landscapes. From the dazzling lights of Las Vegas, a world-famous destination for nightlife and entertainment, to the historic city of Reno, nestled in the picturesque Sierra Nevada mountains, Nevada offers a diverse array of experiences. Other notable towns include Carson City, the state capital, and Henderson, known for its family-friendly neighborhoods and outdoor recreation opportunities. With its vibrant cities and stunning desert scenery, Nevada offers a unique and exciting lifestyle for residents to enjoy.

Nevada’s thriving healthcare sector contributes to its appeal as a home for many dentists. With 850 dentists residing in Nevada, according to the BLS, the state boasts a robust healthcare workforce. 

While the cost of living remains moderate in some areas of Nevada, housing prices are steadily increasing, particularly in bustling metropolitan areas like Vegas and Reno. According to FED data, the median listing price for a single-family home stands around $489,906, posing challenges for dentists seeking to purchase a home in the state. However, dentist mortgages offer a solution, providing dentists with unexpected benefits and alternatives to navigate the housing market.

How do Nebraska dentist mortgages work?

Dentist mortgages in Nebraska offer unique advantages tailored specifically for dentists, making them an appealing option for aspiring homeowners in the dental profession. Here’s why they stand out:

  • Flexible Qualification: Unlike traditional mortgages, dentist mortgages are more accommodating in their eligibility criteria. Dentists with irregular work schedules or multiple jobs may find it easier to qualify.
  • Lower Down Payments: One significant benefit is the option for lower down payments compared to conventional mortgages. This feature can help dentists expedite their path to homeownership without the need for substantial upfront cash reserves.
  • Special Benefits: Dentist mortgages often come with additional perks such as assistance with closing costs or reduced interest rates. Some programs even offer forgiveness initiatives tailored for dentists working in specific areas, further enhancing accessibility to homeownership.

Considering these advantages, the application process for a dentist mortgage typically involves the following steps:

  • Research Dentist Mortgage Programs: Explore the various dentist mortgage options available in Nebraska, considering their eligibility requirements and benefits.
  • Prequalification: Get prequalified for a dentist mortgage by providing basic financial information, taking advantage of the flexibility in eligibility criteria.
  • Gather Documentation: Prepare the necessary documentation required for the application process, ensuring compliance with the lender’s requirements.
  • Application Submission: Submit your application along with the required documentation to the lender for review.
  • Underwriting Process: The lender evaluates your application and documentation, considering the specialized benefits of dentist mortgages.
  • Approval and Closing: If approved, proceed with closing the mortgage, benefiting from the tailored advantages offered by dentist mortgage programs.

Is a Nevada dentist mortgage right for me? 

Are you considering whether a Nevada Dentist Mortgage is the right fit for you? Here’s a comprehensive guide to help you make an informed decision:

Step 1: Assess your financial standing:

Begin by thoroughly evaluating your financial situation, including your income, savings, debts, and credit score. Take into account how homeownership fits into your long-term financial goals and whether it aligns with your current financial stability.

Step 2: Research dentist mortgage options in Nevada:

Delve into the various dentist mortgage programs available in Nevada. Take note of their eligibility requirements, interest rates, and any additional perks or benefits they offer. Compare these options with traditional mortgages to determine which aligns best with your financial needs and goals.

Step 3: Seek guidance from a financial advisor or mortgage expert:

Consider consulting with a financial advisor or mortgage expert who specializes in dentist mortgages. They can provide valuable insights and advice tailored to your specific financial situation. Discuss your financial goals and preferences with them to ensure you make an informed decision that aligns with your long-term financial well-being.

Remember, purchasing a home is a significant decision that requires careful consideration. Take your time to weigh all your options and ensure you’re comfortable with the chosen path forward before committing to a dentist mortgage.

For a dentist like a doctor of dental medicine/DMD, DVM, DPM, or DDS trying to get a home loan, these borrowers may find it hard to get approved for their target loan amount. For plenty of medical professionals trying to get a home loan, such as a medical doctor, pharmacist, CRNAs, podiatrists, physician assistant, veterinarian, medical resident, or other Nevada physician, you may need to look outside conventional loans. In many cases, doctors use doctor mortgage loans/physician home loans/physician mortgage loan programs to get a new home.

Each mortgage lender has their own requirements, including whether or not they’ll finance self-employed dentists.

Look into the specifics of all your financing options in the home buying process before spotting your dream home on the NMLS, including:

  • Low down payment requirement
  • If higher income gets you higher loan limits
  • No private mortgage insurance/PMI
  • Chance to refinance
  • Calculation of student loan debt
  • Fixed rate vs adjustable rate mortgages
  • Monthly payments
  • Debt to income ratio/DTI
  • If your new job/employment contract qualifies you for a home purchase
  • Repayment terms

If you already tried to get approved for a conventional loan with a place like US Bank, Keybank, Citizens Bank, or somewhere else, you may be able to use your start date at a new job to get a primary residence.

Examples of dentists who take out dentist mortgages in Nevada

Let’s delve into a couple of tales featuring dentists who’ve embraced Nevada dentist mortgages. These narratives can provide insight into whether a dentist mortgage suits your circumstances:

In Nevada, dentists often face the challenge of scraping together a hefty down payment for a home. That was certainly the case for Dr. Johnson, an endondist putting in long hours at a local clinic in Henderson. Despite her consistent income, she’s been grappling with saving up for a down payment amid student loan payments and other financial obligations. However, with a dentist mortgage, Dr. Johnson discovers a ray of hope. These specialized loans frequently offer lower down payment options compared to traditional mortgages, making homeownership more attainable for dentists like her. Thanks to the dentist mortgage, Dr. Johnson can finally take the exciting step toward owning her own place without the burden of a large down payment upfront.

Meanwhile, over in Reno, an ambitious dentist named Dr. Martinez is determined to secure a mortgage for his dream home. Despite his drive, Dr. Martinez encounters obstacle after obstacle due to his high debt-to-income ratio and unpredictable work schedule. Traditional lenders have been hesitant to approve his application, leaving Dr. Martinez feeling discouraged. Yet, when he learns about dentist mortgages, Dr. Martinez realizes he has some viable options. These tailored loans often boast more lenient eligibility criteria, making it easier for dentists like Dr. Martinez to qualify, even with unconventional work schedules or significant debt. With a dentist mortgage, Dr. Martinez gains the leverage he needs to confidently pursue his dream of buying a home in this expensive part of the state.

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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