Dentist Mortgages in New Hampshire


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Bank Of America

(All 50 States)

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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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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

Berkshire Bank

(CT, MA, ME, NH, NY, RI, VT)

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usually responds within 30 minutes

Berkshire Bank

(CT, MA, ME, NH, NY, RI, VT)

$100M Closed Loans

Berkshire Bank, established in 1846, is a Massachusetts-based community bank offering comprehensive personal, business banking, and wealth management services.

High-income professionals can access numerous services from Berkshire Bank. These include wealth management, financial planning, private banking, comprehensive investment strategies, and retirement planning. The bank also offers tailored lending solutions, estate planning, and insurance services to protect their wealth. [ 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 $2 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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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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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)

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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)

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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

Leader Bank

(CT, MA, ME, NH, RI, VT)

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Online

usually responds within 30 minutes

Leader Bank

(CT, MA, ME, NH, RI, VT)

$100M Closed Loans

Leader Bank, established in 2002, is a Massachusetts-based community bank that offers personal and business banking services with a strong digital focus.

High-income professionals can take advantage of Leader Bank's comprehensive suite of services. These include personalized banking solutions, mortgage services, commercial lending, equipment financing, and wealth management. Leader Bank prioritizes convenience with online and mobile banking options. [ Read Review → ]

  • Minimum credit score: 640
  • Maximum loan: Varies
Down payment Financing
10%Varies
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • DPM
  • OD
  • Fellow
  • Resident
  • DVM
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Northpointe

(All 50 States Except CA, NY)

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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

TD Bank

(CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

TD Bank

(CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT)

$100M Closed Loans

TD Bank, founded in 1852, is a leading North American banking service, offering a comprehensive range of retail, small business, and commercial banking products and services.

High-income professionals are catered to by TD Bank through distinct services such as wealth management, private banking, and estate planning. This includes personalized financial strategies, access to dedicated banking specialists, and advice on wealth preservation and transfer. [ Read Review → ]

  • Minimum credit score: 700
  • 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

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

The Washington Trust Company, Of Westerly

(CT, MA, NH, RI)

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Online

usually responds within 30 minutes

The Washington Trust Company, Of Westerly

(CT, MA, NH, RI)

$100M Closed Loans

The Washington Trust Company, Of Westerly, founded in 1800, is the oldest community bank in the US, providing a full range of financial services to individuals and businesses.

High-income professionals can take advantage of a variety of services from The Washington Trust Company, Of Westerly. These include wealth management and financial planning, trust and estate services, private banking, and mortgage services. The company offers personalized strategies tailored to meet individual financial goals and needs. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $750,000
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

  • New Hampshire dentist mortgages are specifically designed for dental professionals, offering easier approval processes and requiring less money down, making homeownership more accessible.
  • These specialized loans typically do not require PMI, potentially lowering monthly payments, and often feature lower interest rates and assistance with closing costs.
  • While providing significant financial benefits, dentist mortgages in New Hampshire may have limited availability and could come with higher overall costs due to additional fees or higher interest rates compared to traditional loans.

In the Granite State, natural beauty intertwines with New England charm, offering residents a serene and picturesque lifestyle amidst lush forests, scenic mountains, and charming small towns. From the historic streets of Portsmouth to the vibrant cultural scene of Manchester and the tranquil lakeside communities of Lake Winnipesaukee, New Hampshire showcases a diverse range of landscapes and experiences. Whether hiking the White Mountains, enjoying outdoor recreation on Lake Sunapee, or exploring the quaint shops and cafes of Hanover and Concord, New Hampshire provides residents with a peaceful and idyllic setting to call home.

The Granite State hosts a considerable number of healthcare practitioners, including dentists who have made it their home. Bureau of Labor Statistics data indicates that 470 dentists have chosen New Hampshire as their base. However, for dentists seeking homeownership in New Hampshire, the path isn’t always straightforward. The median listing price for a single-family home in the state, as reported by the FED, sits at approximately $582,000, leaving many dental professionals ensnared in a perpetual cycle of rentals.

That’s where dentist mortgages come in, designed specifically to alleviate this burden on dental professionals. Designed exclusively for dentists, these programs offer a streamlined avenue for dental professionals in New Hampshire to secure homeownership without enduring financial strain.

How are New Hampshire dentist mortgages different from other loans?

When comparing the application process for a traditional mortgage with that of a dentist mortgage in New Hampshire, nuances can vary depending on the specific programs and lenders involved. However, here are some overarching differences you may encounter:

  1. Eligibility criteria for dentist mortgages are often tailored specifically to dentists, encompassing specialized employment requirements or income thresholds. These criteria tend to be more flexible or accommodating compared to traditional mortgages, streamlining the qualification process for dentists.
  2. Some dentist mortgage programs may waive the necessity for private mortgage insurance (PMI), a standard requirement for conventional loans with a down payment of less than 20%. This exemption translates to lower monthly payments for dentists, alleviating financial strain.
  3. While both traditional mortgages and dentist mortgages necessitate documentation of income, assets, and other financial information, the latter may feature specific documentation requirements or allowances tailored to common income structures among dentists. This includes special consideration for debt, ensuring a more comprehensive assessment of dentists’ financial profiles.
  4. Dentist mortgages may encompass specialized offerings designed to cater to the unique needs of dentists in New Hampshire. These offerings could range from special programs for rural dentists to loan forgiveness programs for those serving in underserved areas, further enhancing the appeal of dentist mortgages for dental professionals in the state.

The pros and cons of pursuing a dentist mortgage in New Hampshire

Considering the benefits and drawbacks of taking out a dentist mortgage before making a decision is crucial for dental professionals. Let’s delve into the details:

Pros:

Dentist mortgages present several advantages tailored specifically to dental professionals, such as:

  • Looser eligibility requirements: Unlike traditional mortgages, dentist mortgages often feature more flexible criteria, accommodating the unique financial circumstances of dental practitioners, including high DTI ratios.
  • No PMI, in some instances: Some dentist mortgage programs waive the requirement for private mortgage insurance (PMI), resulting in lower monthly payments and reduced upfront costs for borrowers.
  • Lower down payments: Dentist mortgages typically offer lower down payment requirements, making homeownership more accessible for dental professionals, especially those who may not have substantial savings.

Cons:

However, dentist mortgages come with their own set of considerations:

  • Limited availability: Dentist mortgages may be less readily available than traditional mortgages, requiring borrowers to conduct thorough research and potentially face challenges in finding suitable lenders or programs.
  • Additional fees: Some dentist mortgage programs may include additional fees or charges, such as origination fees or higher interest rates, which can impact the overall cost of borrowing.

In weighing these factors against your financial situation, you can make a more informed decision about whether a dentist mortgage aligns with your homeownership goals and needs.

For a recently graduated DDS, DMD, DPM, or DVM, your student loan debt may be a big problem for getting approval for a conventional home loan. It can throw off your debt to income ratio (DTI) and make it challenging for the loan officer who may have little to no discretion. With a dentist mortgage, however, other factors are considered in approving the loan. These dentist loan programs are most similar to other loan options for medical professionals like a doctor mortgage/doctor loan/physician mortgage loans. You may be able to get approved for a higher loan amount when qualifying for a dentist mortgage, too. In these cases, if you’re someone who was turned down despite having a new job lined up, you use your employment contract to get qualified for the dentist mortgage. This alternative home financing can overcome some of the challenges of conventional mortgages to get you into a new home faster.

Many providers, including veterinarians or medical doctors use programs like physician home loans/physician mortgage programs or dentist mortgage loans to get approved to buy real estate in New Hampshire. These other mortgage options do have their own underwriting rules and loan repayment expectations, so it pays to do the research upfront.

As with all loan options, you want to compare the underwriting criteria and rules before finding that dream home on the NMLS and getting ready to make an offer. With healthcare professional loans as you enter the home buying process, you need to look at:

  • If/when you can refinance and timelines for refinancing
  • Fixed rate vs adjustable rate mortgages
  • Start date required for loan approval
  • Any special support for first time homebuyers
  • Opportunities for low down payment
  • Minimum credit score needed
  • No private mortgage insurance/PMI
  • If self employed dentists qualify

Keep a shortlist of all mortgage lenders and info on their mortgage loan program so you can decide what makes the most sense for you. Compare rate options and repayment rules, too.

Examples of dentists who take out dentist mortgages in New Hampshire

Dr. Pappas, a dedicated dentist who runs a bustling clinic in a rural town, enjoys his work nestled in New Hampshire’s tranquil countryside. Serving an underserved community, Dr. Pappas goes above and beyond to provide essential dental care to residents who might otherwise go without. Recognizing his invaluable contributions, Dr. Pappas receives special consideration when seeking a dentist mortgage to secure a home in the very community he serves. With tailored benefits and support, including favorable terms and assistance with down payments, Dr. Pappas is empowered to fulfill his dream of homeownership while continuing his vital work in improving oral health outcomes for the residents of this rural enclave.

Dr. Taylor, a dedicated dentist committed to serving New Hampshire’s capital city, faces a daunting challenge as she strives to make a down payment in Concord. Despite her unwavering determination to establish roots in the vibrant community she serves, traditional lenders reject her mortgage application due to her high debt-to-income (DTI) ratio. Undeterred by this setback, Dr. Taylor refuses to abandon her dream of homeownership and explores alternative solutions. With the specialized assistance of a dentist mortgage, she finds the support she needs to overcome this obstacle and secure her place in Concord’s thriving community. With tailored benefits and understanding lenders, Dr. Taylor can now look forward to realizing her dream of homeownership while continuing to make a positive impact through her dental practice.

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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