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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
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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
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 → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
• Online
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 Bank is a full-service bank and one of the largest regional banks in the country, offering a broad range of consumer and commercial financial solutions, including banking, home lending, private banking, and wealth management.
High-income professionals can utilize Flagstar's mortgage products which are specifically built for physicians and other high-income professionals. These loans may have flexible qualifications, lower costs than a conventional mortgage, and low or even no down payment. You must be within 10 years of starting your profession. There are also jumbo loan options up to $3 million. Flagstar Bank N.A. is an Equal Housing Lender | Member FDIC. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $3 million |
$100M Closed Loans
Frandsen Bank & Trust, established in 1982, is a full-service, community-oriented financial institution with over 35 locations across Minnesota, North Dakota, and Wisconsin.
High-income professionals can utilize Frandsen Bank & Trust's comprehensive financial services, including planning, wealth management, and private banking. The bank provides personalized strategies to manage, grow, and protect wealth, with a keen focus on individual financial goals and circumstances. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1.25 million |
| 10% | up to $2 million |
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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 |
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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
Old National Bank, founded in 1834, is an Indiana-based financial institution offering a broad range of services including retail and commercial banking, wealth management, and investment services.
High-income professionals can utilize Old National Bank's services for personalized wealth management, including investment management, trust services, and private banking. They also provide retirement plan services, estate planning, and philanthropy management, ensuring comprehensive financial care. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
| 15% | up to $2 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 |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
Residents of Wisconsin experience a high-quality lifestyle that seamlessly combines natural beauty with vibrant urban living. From Milwaukee’s dynamic cityscape to the tranquil shores of Lake Geneva and the scenic landscapes of Door County, the state offers diverse living options. Known for its rich cultural heritage, cheese, and music festivals, Wisconsin also draws outdoor enthusiasts with its hiking, skiing, and boating opportunities, making it an inviting place to call home.
The thriving healthcare sector in the state also attracts numerous medical professionals, including dentists. Data from the Bureau of Labor Statistics reveals that Wisconsin is home to 2,300 dentists who serve rural, suburban, and urban areas alike.
Despite the generally affordable cost of living compared to many regions across the nation, housing prices are on the rise. According to the FED, the median listing price of a single-family residence hovers around $379,450. For dentists in the state, this upward trend can pose challenges when it comes to purchasing a residence.
Fortunately, dentist loans offer a solution. These specialized financial products provide a range of benefits to dentists in Wisconsin seeking to finance a home.
Dentist mortgages in Wisconsin present both advantages and challenges. On the positive side, these specialized mortgage programs are crafted to address the unique financial needs of dentists, providing a pathway to homeownership amidst a competitive housing market. Through dentist mortgages, dentists throughout Wisconsin can overcome the barrier of high housing costs and transform their homeownership dreams into reality.
However, it’s crucial to acknowledge the other side of the coin. While dentist mortgages offer tailored benefits, they may also entail higher interest rates compared to traditional mortgages, contingent upon the lender and the borrower’s financial position. Additionally, these programs could involve additional fees or closing costs, contributing to the overall expense of home purchasing. Moreover, dentist mortgage options may be more restricted in availability, typically offered by specialized lenders serving the nursing community. Lastly, despite the flexible eligibility criteria often associated with dentist mortgages, not all dentists may qualify based on their specific financial circumstances.
If you already tried to get a new home and were turned down because of the rigid criteria of the loan program, but you’re starting a new job as a dentist in Wisconsin, look into alternative financing options. As with any loan, look into the specifics to see where you can get the best fit, including looking at:
Conventional mortgages like those offered by US Bank, Huntington Bank, or other bank or credit union, a dentist home loan may be better suited to your needs. If you’re a DDS, DMD, DVM, or other professional designation, you can use the dentist version of physician mortgage loans. Many medical professionals like medical doctors, interns, pharmacists, CRNAs, veterinarians, podiatrists, and others find that traditional home buying or refinancing for a primary residence is frustrating. Other mortgage lenders, however, allow medical professionals to use their employment contract for a new job to qualify instead. From there, you can work with a real estate agent or find a home on the NMLS. If you’re someone who was turned down for another loan, explore all your options.
Dentist or Wisconsin physician mortgage programs often have different criteria especially as it relates to debt to income ratio or the life of the loan when compared with conventional mortgages.
These alternative loan options for home financing open up new opportunities for healthcare professionals relocating to Wisconsin for a start date at a new job. Especially if this is your first time in the home buying process, make the loan application and origination easier with a dentist mortgage.
Feeling hesitant about venturing into the realm of dentist mortgages in Wisconsin? Let’s streamline the process into a few simple steps to assist you along the journey.
To begin, assess your financial landscape. Take a comprehensive look at your income, savings, debts, and credit score to determine how homeownership aligns with your broader financial objectives. Once this groundwork is laid, dive into researching dentist mortgage programs available in Wisconsin. Explore their various features, from eligibility criteria to the appealing incentives tailored specifically for dentists.
With your knowledge of dentist mortgages in hand, it’s time to juxtapose them against traditional alternatives. Scrutinize elements such as down payment prerequisites, interest rates, and any concealed closing expenses. Feel free to engage with lenders specializing in dentist mortgages, such as those listed here. Their expertise in the field equips them to provide tailored guidance throughout your decision-making process.
Let’s delve into a couple of real-life stories of dentists who’ve opted for Wisconsin dentist mortgages. These narratives will illustrate how dentist mortgages can serve as a pivotal tool for aspiring homeowners like yourself:
Imagine this: In the vibrant city of Madison, Dr Winthrop is a dentist tirelessly serving patients at a local clinic. Despite her dedication, saving up for a down payment on a home proves challenging amidst mounting student loans and expenses. However, Dr. Emily’s outlook brightens when she discovers dentist mortgages. These specialized loans offer lower down payment options compared to conventional mortgages, providing Dr. Emily with the necessary boost to achieve homeownership without straining her finances.
Now, let’s journey to another part of the state. Meet Dr. Thomas— or Dr. Ethan, as he’s known to his pediatric patients. Ready to buy a home, traditional lenders are throwing up obstacles thanks to Dr. Ethan’s substantial debt from school. Feeling disheartened, Dr. Ethan nearly abandons his homeownership dreams until he learns about dentist mortgages. Now those “doors of opportunity” are swinging wide open. These tailored loans offer Dr. Ethan more flexible eligibility criteria and a smoother path to homeownership. With a dentist mortgage in hand, Dr. Ethan is well on his way to realizing his homeownership aspirations in Wisconsin.
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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