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JD MORTGAGE® connects you with lenders offering low to no down payment mortgages designed specifically for high-income professionals. We find the lenders that allow jumbo loan balances, relaxed debt-to-income ratios and typically do not require private mortgage insurance (PMI).
Offered exclusively through Biglaw Investor, we make it incredibly simple to find the best mortgage for your home financing needs.
I’m an associate at a firm in Houston and used JD Mortgage thanks to your advice! The experience was great—they were super fast and responsive.” —Mary Kate Raffetto Beck Redden LLP
For a JD Mortgage, I had good luck with IBERIABank. [They] made this process very smooth.” —Clint Cowan Lynn Pinker Hurst & Schwegmann
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 3% | up to $825,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1 million |
| 10% | up to $2 million |
| 15% | up to $3 million |
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usually responds within 30 minutes
$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 → ]
| 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 |
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $3 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
$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 → ]
| Down payment | Financing |
|---|---|
| 10% | Varies |
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usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 10% | up to $1 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
Oregon offers a diverse and vibrant quality of life, with its scenic landscapes and thriving urban centers. Cities like Portland, nestled between the Willamette and Columbia rivers, boast a rich cultural scene, vibrant arts community, and renowned culinary scene. Eugene, home to the University of Oregon, offers a blend of outdoor recreation and academic opportunities. Bend, situated in the high desert region of central Oregon, attracts outdoor enthusiasts with its proximity to skiing, hiking, and mountain biking trails. Along the coast, towns like Cannon Beach and Newport offer stunning ocean views, quaint seaside charm, and opportunities for whale watching and beachcombing. Whether you prefer the bustle of city life or the tranquility of nature, Oregon has something to offer for everyone.
Due to a thriving healthcare sector, Oregon is also home to a considerable number of dentists. According to data from the Bureau of Labor Statistics, the state is home to 1,180 dentists, alongside its many other healthcare professionals.
However, the escalating housing prices in the state pose challenges for these professionals. With the median listing price of a single-family home currently standing at $575,000 according to the FED, accessing homeownership is becoming increasingly difficult. Thankfully, dentist mortgages come to the rescue by offering tailored benefits such as reduced down payments, assistance with closing costs, and flexible eligibility criteria, specifically designed to cater to the needs of dentists.
Considering an Oregon dentist mortgage? These mortgages offer several advantages tailored to professionals like you aiming to purchase a home in the state:
Overall, dentist mortgages can be an invaluable tool for dentists looking to buy a home.
Contemplating whether a Dentist mortgage in Oregon suits your needs? Deciding involves understanding your unique situation. These specialized mortgage programs are tailored to aid dentists in achieving their homeownership dreams by offering benefits like reduced down payments and flexible eligibility requirements.
To get your decision-making process off to the right start, take a moment to delve into your financial landscape. Assess your income, savings, debts, and credit score to determine how homeownership fits into your goals. Next, explore the variety of dentist mortgage programs available in Oregon. Compare them to conventional mortgage options, consult with lenders specializing in dentist mortgages, and take your time. With thorough research and expert guidance, you’ll be empowered to make a well-informed decision about your path to homeownership.
For any doctor of dental medicine/DMD, DDS, DPM, DVM, or other dentist with designations looking for a home loan, it can be challenging to get approved for a traditional fixed interest rate loan. Sometimes, the amount of student loan debt makes it hard for medical professionals to get a conventional loan since it throws off their debt to income ratio. With any loan, look into each feature before applying for the home loan. This includes:
If you get pre-approval with your new job, this could allow you to make a home offer sooner rather than later.
You can speak to a loan officer directly about various loan loans. As a medical professional trying to get a primary residence, you may need to look at alternative loan programs just like how medical doctors might instead use a physician home loan/doctor loan/physician mortgage loan. The home buying process doesn’t have to be overwhelming or frustrating. If you’re someone who was unable to complete the home financing process with a conventional mortgage lender like Huntington Bank, U.S. Bank, Keybank, or other member FDIC lender, borrowers can still explore dentist mortgages to get your dream home. Various loan options exist to help you get approval so you can make an offer on a dream home you find on the NMLS or with the help of a realtor.
Review the following real-life scenarios of dentists who have taken out dentist mortgages. Do any of these situations resonate with you? If they do, dentist mortgages in Oregon could be the financial remedy you’ve been seeking:
Dr. West, a proud partner at a Portland dental clinic, dreams of transitioning from renting an apartment to owning her own home. However, with substantial student debt looming over her from dental school, Dr. West faces some significant financial barriers. Rather than abandoning her dream, she decides to consider alternative financing options. A dentist mortgage is at the top of her list, recognizing its potential to offer reduced down payment requirements and specialized benefits tailored for healthcare professionals. With the assistance of a dentist mortgage program, Alice hopes to overcome the financial hurdles to homeownership in Portland.
Then there’s Dr. Davidson, a dentist serving a rural community in eastern Oregon. Despite the challenges posed by limited housing options and the remote location, David is committed to providing essential dental services to his community. Eager to establish roots in the area, David explores avenues to make homeownership a reality. Luckily, he discovers a dentist mortgage program designed specifically for healthcare professionals serving rural communities like his own. This unique mortgage solution not only offers favorable terms and reduced down payment requirements but also provides additional benefits customized for dentists working in rural areas. With the support of this dentist mortgage, David can finally realize his dream of owning a home in the rustic yet rewarding landscape of rural Oregon.
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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