Dentist Mortgages in Wyoming


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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

First National Bank of Omaha

(CO, IA, IL, KS, MO, NE, SD, WY)

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usually responds within 30 minutes

First National Bank of Omaha

(CO, IA, IL, KS, MO, NE, SD, WY)

$100M Closed Loans

First National Bank of Omaha, founded in 1857, is the largest privately-owned bank in the U.S., offering a full range of banking and financial services across multiple states.

High-income professionals can take advantage of the First National Bank of Omaha's services, which include wealth management, comprehensive financial planning, private banking, and trust services. FNBO also offers personalized strategies for investment, estate planning, and managing retirement assets. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $850,000
5%up to $1.25 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • DPM
  • DVM
  • OD
  • DC
  • PhD
  • RN

First Western Trust

(AZ, CA, CO, MT, WY)

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usually responds within 30 minutes

First Western Trust

(AZ, CA, CO, MT, WY)

$100M Closed Loans

First Western Trust, founded in 2004, is a private bank and wealth management company, providing a comprehensive suite of financial services across the Western U.S.

High-income professionals can utilize First Western Trust's services for comprehensive wealth planning and management. Offerings include investment consulting, private banking, trust and estate planning, and retirement planning. Tailored strategies are designed to optimize financial growth and security. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $850,000
5%up to $1 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • CRNA
  • DPM
  • OD
  • 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

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)

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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

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

Key Terms

  • Dentist mortgages in Wyoming offer substantial benefits tailored to dental professionals, including low or no down payment options, no PMI requirement, and flexible approval processes that take into account the unique financial situations of dentists.
  • These specialized loans facilitate homeownership for dentists by offering lower interest rates and additional support such as assistance with closing costs and down payment help, designed to overcome the financial barriers many dentists face.
  • However, potential challenges include limited availability of these specific loans, possibly higher interest rates compared to conventional loans, and stricter eligibility requirements in some cases. Dentists should evaluate these factors carefully to determine if a dentist mortgage aligns with their financial goals and homeownership aspirations in Wyoming.

Located in the heart of the American West, Wyoming, known as the “Equality State,” boasts a unique blend of rugged beauty, tight-knit communities, and boundless outdoor adventures. From the iconic peaks of Jackson Hole to the historic charm of Cheyenne, Wyoming offers residents an unparalleled quality of life. With its vast expanses of wilderness and picturesque landscapes, towns like Cody and Laramie beckon outdoor enthusiasts and nature lovers alike. Despite its sparse population, Wyoming thrives with a rich cultural heritage and a strong sense of community. Whether you’re exploring the wonders of Yellowstone National Park or experiencing the vibrant energy of Casper, living in Wyoming promises an unforgettable journey filled with endless possibilities.

Despite its sparse population, Wyoming is home to a considerable number of dentists, totaling 230, as reported by the Bureau of Labor Statistics. However, while Wyoming has traditionally been known for its affordability, housing prices are on the upswing, particularly in sought-after regions like Jackson Hole. With the median listing price of a single-family home hovering around $455,000, according to the FED, purchasing a new home poses a significant challenge for hardworking dentists across the Equality State.

Fortunately, dentists can turn to specialized programs like dentist mortgages to ease the burden. These tailored loans streamline the mortgage process, making homeownership more accessible for dental professionals in Wyoming.

The pros and cons of a Wyoming dentist mortgage

When considering a dentist mortgage in Wyoming, it’s essential to weigh both the advantages and disadvantages. On the positive side, these specialized loans are tailored to accommodate the unique financial circumstances of dentists. They can adapt to factors like multiple income sources, offering more lenient qualification criteria and manageable down payments. Some programs even extend assistance with closing costs. However, it’s important to note some drawbacks. Dentist mortgages are not as prevalent as traditional options, potentially limiting choices. Additionally, interest rates may be higher in some cases, although potential savings from program benefits may offset this. Lastly, borrowers should be vigilant for any additional fees associated with these mortgage programs.

Is a Wyoming dentist mortgage right for you?

If you’re a CRNA or dentist practitioner in Wyoming considering a dentist mortgage, it’s crucial to assess your financial situation and goals. Here’s a step-by-step guide to help you navigate this decision:

  • Evaluate Your Financial Situation: Take a close look at your income, savings, debt, and credit score to determine how a dentist mortgage fits into your financial plan. Consider what you can afford and how homeownership aligns with your future financial goals.
  • Research Dentist Mortgage Programs: Explore the available dentist mortgage programs in Wyoming, examining their eligibility criteria, interest rates, down payment requirements, and additional benefits. We’ve curated some of the top options for your convenience!
  • Assess Your Long-Term Goals: Consider your long-term plans and how owning a home in Wyoming fits into them. Evaluate whether staying in the state aligns with your career and lifestyle aspirations as a dental professional.
  • Review the Pros and Cons: Delve into the advantages and disadvantages outlined above to make an informed decision. Considering all these factors will help you determine the best path forward for your financial well-being and future endeavors.

If you want to move to Wyoming and take out a home loan/mortgage loan, you might discover that it can be really frustrating for even a professional dentist with designations like DDS, DMD, DPM, or DVM. The home buying process can be slowed down for these medical professionals if they have high student loan debt that throws off their debt to income ratio. Further, some mortgage lenders want to see a history of high earnings rather than taking into consideration what a new job and employment contract will enable a dentist to do. Checking out these alternative loan programs could be the best way to allow a dentist to get their primary residence purchased. Healthcare professionals like CRNAs, medical doctors, medical residents, and pharmacists often enter the workforce with a high student loan payment that makes it hard to get approved for a home loan.

A dentist mortgage, however, uses your employment contract start date to get you qualified for real estate. If you’re someone who was unable to get approved for a conventional loan somewhere like US Bank, Truist, Keybank, or some other member FDIC institution, look into dentist loans. These work very similarly to physician home loans/physician mortgage loans in terms of qualifying. The dream of homeownership may be in reach even if a conventional mortgage was not.

If you’re trying to decide the right fit for your financing options, compare these aspects:

  • Total max loan amount
  • Low down payment options
  • Debt to income ratio/DTI
  • Fixed rate or adjustable rate mortgages
  • Loan limits
  • Monthly payments
  • No private mortgage insurance/PMI
  • If self-employed dentists can apply
  • Other underwriting rules or repayment terms

Once a loan officer has clarified this for you, you can look for a dream home on the NMLS or work with a real estate agent to find the perfect property.

Examples of dentists who take out dentist mortgages in Wyoming

Do you see yourself in either of the scenarios below? You may want to go with a dentist mortgage: 

Dr. Turner has been a dedicated dentist in his picturesque hometown of Jackson Hole, Wyoming for years now. Despite his growing practice, Dr. Turner finds himself facing a daunting challenge when it comes to affording a home. The soaring home prices in Jackson Hole have created a formidable barrier, leaving Dr. Turner unable to afford a down payment. He decides to check out dentist mortgages, having heard from colleagues that he can qualify for one with little to no money down. A local lender offers him a dentist mortgage with no money down and help with closing costs, making a rancher on the edge of town within reach. 

Dr. Andrews is the friendly face behind the bustling family dentistry practice nestled in the heart of a rural community an hour outside Casper. Despite the serene charm of his practice’s surroundings, Dr. Andrews faced a common dilemma shared by many dental professionals: the challenge of securing a home in an increasingly competitive market. However, with determination and the support of a specialized dentist mortgage program, Dr. Andrews found a path forward. This unique mortgage not only provided him with the financial leverage needed to purchase a home but also offered special benefits tailored to his profession. From assistance with down payments to exclusive forgiveness programs, Dr. Andrews discovered that his dedication to serving the community was reciprocated through the tangible support of his mortgage provider, paving the way for a bright future in his cherished rural haven.

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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