Dentist Mortgages in North Dakota


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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

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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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

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)

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)

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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

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

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

Wintrust Mortgage

(AZ, CA, FL, IL, IN, MN, MT, ND, WI)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Wintrust Mortgage

(AZ, CA, FL, IL, IN, MN, MT, ND, WI)

$100M Closed Loans

Wintrust Mortgage, established in 1981, is a part of Wintrust Financial Corporation, providing a broad range of customizable mortgage and refinancing solutions across the US.

High-income professionals can take advantage of a wide range of services from Wintrust Mortgage. These include personalized mortgage solutions, refinancing options, and jumbo loans. Wintrust also provides a selection of online tools to assist in managing mortgage payments and planning future finances. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $850,000
3%up to $1.25 million
5%up to $1.5 million
10%up to $2 million
20%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • DPM
  • PharmD
  • DC
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • NP
  • PA
  • JD
  • CPA
  • PhD
  • RN

Key Terms

  • North Dakota dentist mortgages are specially crafted to suit the financial circumstances of dentists, offering benefits such as little to no money down and no PMI, making it easier for dental professionals to purchase homes.
  • These mortgages provide more flexible eligibility criteria tailored to the unique aspects of dental professionals’ financial situations, such as high student loan debt and multiple income sources.
  • Despite their advantages, potential borrowers should consider that interest rates and terms can vary widely, and the availability of these specialized loans may be limited depending on the lender and location within North Dakota.

In North Dakota, residents experience a distinct quality of life shaped by a combination of serene landscapes and close-knit communities. From the lively atmosphere of Fargo to the quaint allure of Bismarck and the picturesque settings of Grand Forks, the state offers diverse living environments. With a low cost of living, ample outdoor recreational opportunities, and a strong sense of community, North Dakota fosters an environment where residents can thrive. Whether it’s exploring the scenic trails of Theodore Roosevelt National Park or partaking in local festivities in Minot, North Dakota provides a welcoming and fulfilling backdrop for residents to enjoy and create lasting memories.

Thanks to a thriving healthcare sector and outreach initiatives to rural regions, North Dakota boasts a significant population of dentists. According to data from the Bureau of Labor Statistics, the state is home to 220 dentists. 

Despite the typically manageable cost of living in North Dakota, rising housing expenses pose challenges for dentists looking to purchase homes. The median listing price of a single-family home currently stands at $368,295, as per the FED. Fortunately, dentist mortgages offer a solution, providing dentists with benefits like reduced down payments, assistance with closing costs, and flexible eligibility criteria tailored to their unique circumstances.

How do North Dakota dentist mortgages work?

Dentist mortgages in North Dakota operate much like traditional mortgages but are uniquely crafted to suit the needs and situations of dentists. These mortgages come with perks and flexibility that often surpass conventional mortgage options. Eligibility requirements for dentist mortgages tend to be more adaptable, taking into account factors like student debt. Furthermore, dentist mortgages may feature specialized programs or incentives exclusively tailored for dentists, such as down payment assistance or loan forgiveness for those serving in underserved regions. They may also offer alternatives to private mortgage insurance (PMI) or lower PMI rates, potentially resulting in reduced monthly payments. 

While dentist mortgages still necessitate documentation of income, assets, and other financial details, they often streamline the documentation process for dentists, especially for unconventional scenarios like overtime pay or income from multiple sources. Interest rates and terms for dentist mortgages can vary based on the lender and program but typically remain competitive with traditional mortgages. In essence, dentist mortgages in North Dakota strive to enhance accessibility and affordability to homeownership for dentists by providing tailored guidance and support throughout the application journey.

The pros and cons of an North Dakota dentist mortgage

Taking out a North Dakota dentist mortgage offers several advantages, including:

  • More flexible eligibility criteria tailored to the unique circumstances of dentists.
  • Personalized guidance and support throughout the application process from lenders who understand the specific needs and challenges of dentists.
  • Significant financial benefits, such as lower down payments, assistance with closing costs, and potential alternatives to private mortgage insurance (PMI).

However, there are some potential drawbacks to consider:

  • Interest rates and terms for dentist mortgages can vary depending on the lender and program, requiring careful comparison to ensure the best deal.
  • Dentist mortgages may not be available from all lenders or in all areas, necessitating thorough research to find a suitable program.

Overall, while dentist mortgages offer several benefits, it’s essential to weigh the pros and cons carefully and consider individual circumstances before making a decision.

For medical professionals such as someone with a dental designation of DDS, DVM, DPM, DMD or DMV, the home buying process can be challenging. Getting a home loan with a conventional loan program can be difficult, especially as it relates to underwriting requirements in your student loan debt. Just like medical doctors or medical residents may pursue a physician mortgage loan or a doctor mortgage, this helps you to get approved in an alternative manner. These health care professional programs will vary from one mortgage lender to another, and you’ll want to speak with a loan officer about qualifying requirements.

Each loan program will have their own rules as it relates to the total loan amount, the terms of the loan program eligibility to refinance, whether you can get no PMI, low down payment options, minimum credit score for borrowers, loan limits, how you can use your employment contract in a new position to get approved for loan options, and fixed rate versus adjustable-rate mortgages for your dream home. If you’ve already attempted conventional loan options somewhere like Huntington Bank or US Bank, you may need to think like a North Dakota physician and instead pursue dental mortgage loans for your primary residence and new home purchase. Using your new job to qualify may help you be a good position to buy something you find on the NMLS.

Practicing physicians use what’s known as a physician home loan, physician mortgage program, physician loan program, or doctor mortgage to get approved, and similarly, dentists can get a new home with dentist mortgages.

Examples of dentists who take out dentist mortgages in North Dakota

Take a look at these actual instances of dentists who have effectively managed the process of purchasing a home using dentist mortgages in North Dakota. Do any of these situations strike a chord with you? If they do, a dentist mortgage might just be the ideal financial remedy for your path to homeownership in the state:

A recent graduate, Dr. Montes is a dedicated dentist with a flourishing practice in Bismarck. Already contemplating the prospect of homeownership, Dr. Montes is a bit disconcerted by her high debt-to-income ratio— and traditional lenders are, too. Determined to establish roots in the vibrant community she serves, Dr. Montes decides to explore different avenues to make her dream a reality. Recognizing the potential challenges posed by her financial situation, she delves into tailored financing options, determined to find a solution that aligns with her aspirations. She settles on a dentist mortgage, attracted by the special consideration it gives to dentists with high DTI ratios.

Dr. Thompson is a dedicated pediatric dentist serving the rural community of Hazen, North Dakota. Recognizing the vital importance of access to dental care in underserved areas, Dr. Thompson embarked on this journey committed to making a difference in the lives of her patients. Now looking for a home, Dr. Thompson is considering a dentist mortgage. With a tailored financing solution that acknowledges her service in a rural area, Dr. Thompson will receive special considerations, such as down payment assistance and favorable terms, allowing her to buy a home with ease. 

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.

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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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