Mortgages for Dentists with 0%-10% Down

Key Takeaways: A dentist mortgage loan can give you the ability to purchase or refinance a primary residence with as little as 0% down.Dentist mortgages have higher loan limits than a conventional loan, with some programs maxing out at $2 million or more.Dentists are eligible for most physician mortgage programs, but each lender has different down payment options, eligibility requirements and underwriting guidelines.Dentists are among the highest-paid professions, but they’re also swamped with huge six-figure dental school debt.

Traditionally, the years and money spent earning your DMD or DDS (and possibly pursuing a residency) could delay your homeownership dreams compared to your peers.But what if banks saw your dental degree and lifetime earning potential as an asset instead of a financial barrier? Enter dentist mortgage loans.These specialty mortgage programs are designed for dentists and other medical professionals who carry a ton of student debt and haven’t had time in their career to save up for a large down payment.By offering low down payment options with relaxed underwriting guidelines, dentist mortgages can be the solution for many dental families.

Although these programs are growing in popularity, they’re often a hidden gem among each bank’s many products and services.So, we’ve done the legwork for you.Read on to learn about the top dentist mortgage loans and how to find the right fit.How does a doctor mortgage work for dentists? A dentist mortgage is specifically for new dental graduates and those who are still early in their career (usually within a 10-year timeframe of completing residency).

It offers a great alternative to traditional mortgages, which generally require a 20% down payment and strict underwriting criteria.The primary benefits of a dentist mortgage loan include: The potential for a $0 down payment or other low down payment options (e.g.5% to 10%).No private mortgage insurance (PMI) requirement across the board, even when using 100% financing.

Higher loan limits than a conventional mortgage (e.g.$832,750 for 2026 in most areas) without a rate increase.The ability to close on a home up to 90 days before starting your residency or new position.Student loan debt is treated more favorably with calculating debt-to-income ratio (DTI).

Dentist mortgage loans also offer competitive interest rates and a variety of fixed- and adjustable-rate mortgages (ARMs) to meet your needs.But finding the right dentist mortgage is just as important as finding the right home for your family.Get Quotes For Your Doctor Mortgage 15 Top lenders offering dentist mortgage loans The good news is that your DMD or DDS degree will give you access to most physician mortgage loan programs.But have you ever sat down at a restaurant and been entirely overwhelmed by TOO many choices? The same can happen for dentists who are staring down a long list of potential mortgage lenders.

So, we’ve put together a list of trusted lenders that specifically offer dentist mortgage loans and highlighted key details, as well as potential drawbacks, that can help narrow down your home buying search.Note that lenders are listed alphabetically with contact information (when available) for your convenience.You'll need to reach out to lenders directly for the most current program information as eligibility requirements and product offerings change frequently.1.

BMO Bank, N.A.BMO Bank, N.A.works with dentists nationwide (excluding New York) via its physician mortgage loan program.For most areas of the country, you can choose from low down payment options, including 0% down for up to $1 million and 5% down for up to $1.5 million.

However, if you live in California, Florida, Hawaii, Idaho, Maryland, Nevada, Rhode Island or Washington D.C., you won’t have access to a $0 down payment option.But you can still take advantage of up to 90% financing.States available: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY 2.Fifth Third Bank Dentists with a minimum credit score of 680 can apply for the Fifth Third Bank dentist mortgage loan.

It offers residents and interns up to $1.25 million in home financing with 0% down, while established dentists can access up to $2.5 million with a low down payment.This lender serves a range of visas, including E1-E5, DV, F2A, F2B, G1-G5, H1B, H4, IR-1, J1, J2, TN, TD and green card holders.States available: AL, FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV Contact: Sandy Salas  3.First National Bank First National Bank’s physician home loan offers dentists with less than ten years of experience a no money down option for up to $1.25 million.

However, dentists who have been out of training for over a decade can still access 90% financing for up to $2 million.H-1B and green card holders are encouraged to apply.Options include 30- and 15-year fixed-rate and 15-, 10-, 7- and 5-year ARMs.States available: DE, FL, MD, NC, OH, PA, SC, VA, WV Contact: Josh Feldman 4.

Flagstar Bank The Flagstar Bank dentist mortgage is available in nearly all 50 states for dentists with less than 10 years of post-training experience.Financing options 0% down for up to $1 million and 5% down for up to $1.5 million.Note this program is limited to adjustable-rate products as it doesn’t currently offer a fixed-rate option.States available: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY 5.

FNBO Mortgage (First National Bank of Omaha) A FNBO dentist mortgage loan can give dentists in eligible states access to $850,000 in home financing with 0% down.Other low down payment options are available, maxing out at $1.5 million.This lender has a strong reputation in the Dallas-Fort Worth and Denver metroplexes.However, it serves dentists in a wide variety of states.

Note that its minimum credit score of 720 is higher than other physician mortgage programs.States available: CO, IA, IL (restricted to Chicago Metro), KS (restricted to Kansas City Metro), MO, NE, SD, TX, WY 6.Huntington National Bank Huntington National Bank’s dentist home loan provides up to $1 million in financing with 0% down for dentists with a credit score in the mid-700s.However, it also has alternative low down payment options for borrowers with credit scores as low as 680.

Note you might receive an interest rate discount for establishing a deposit banking relationship with Huntington Bank.States available: CO, IL, IN, KY, MI, MN, ND, OH, PA, SD, WI, WV 7.KeyBank KeyBank’s dentist and medical doctor loan is available to dentists starting with 0% down for up to $1 million, with a maximum loan amount of $3.5 million.Their current dentist mortgage interest rates are below conventional and government mortgage rates, and their program maintains low fees.

Note that KeyBank’s loan officers are state-specific.8.Northwest Bank Dentists in Indiana, Maryland, Michigan, New York, Ohio and Pennsylvania might be eligible for a DDS mortgage with Northwest Bank.Loan amounts are available for up to $1.5 million with a low down payment.

However, eligible applicants can access 100% financing for up to $950,000.Note that Northwest Bank’s loan officers are state-specific.States available: NY, MD 9.Old National Bank Old National Bank provides up to 100% financing for dentists with a minimum FICO score of 700 or above.

Other financing options include 5% down for up to $1.25 million and 10% down for up to $1.5 million.Eligible primary residences include single-family homes, townhomes and warrantable condominiums.States available: IA, IL, IN, KY, MI, MN, WI 10.Regions Bank Region Bank's Medical Professional Loans program is available to dentists, allowing for up to 100% financing with no PMI.

It also offers construction to permanent loans if you prefer to build your dream home.H-1B visa and green card holders are eligible.States available: AL, AR, FL, GA, IA, IL, IN, KY, LA, MO, MS, NC, SC, TN, TX 11.S&T Bank Dentists who can provide a small down payment might be interested in a physician loan with S&T Bank.

With this program, there’s no maximum loan amount, but a 5% down payment is required.This program is available nationwide, excluding Texas and New York.Newly self-employed (1099 independent contractors) are eligible and encouraged to apply.States available: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, WV, WI, WY 12.

TD Bank The TD Bank dentists mortgage offers up to $1 million in financing with $0 down, as well as other low down payment options that max out at $2 million.Depending on your student loan situation, TD Bank might use a modified monthly amount or exclude your student debt from your DTI ratio altogether.States available: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT 13.Truist (formerly SunTrust) Truist’s dentist mortgage allows for up to $1 million in financing with 0% down, with alternative down payment options all the way up to $2 million.

Although this program is specific to dentists who have been in practice for less than 10 years, Truist will still work with more experienced dentists to provide a low down payment solution.States available: AL, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY 14.UMB Bank UMB Bank offers a doctorate professional mortgage loan program that includes dentists.Financing options include 0% down for up to $1 million, with other low down payment options for loan amounts up to $2 million.

Borrowers must have an employment contract or signed offer letter, a copy of their license, and close within 60 days of contract acceptance.States available: AZ, CO, IA, IL, KS, MN, MO, NE, NM, OK, TX, WI 15.Wintrust Mortgage Wintrust Mortgage's physician mortgage program provides up to 100% financing for up to $850,000, with additional down payment options for loan amounts up to $3 million.Future income can be used if you close within 90 days of your employment contract date.

States available: AZ, CA, FL, IA, IL, IN, MI, MN, MT, NC, ND, WI Contact: Miles Brady Is a dentist mortgage loan right for you? Relaxed underwriting criteria makes it easier for early-career dentists to secure a physician mortgage than a conventional loan.Plus, you’ll likely qualify for a higher loan amount since your student debt won’t be seen as a barrier.However, this can be a double-edged sword.On one side, you can potentially find a newer home, a better neighborhood or a more custom-home with a larger housing budget.

But a higher loan amount equals a higher monthly payment, which might not be feasible when you work through all the numbers.So, you’ll need to keep your budget blinders on when it’s time to sign the homeowner dotted line.The less money that’s tied up in your mortgage payment, the more funds you’ll have to make other smart investments, enjoy experiences with your family and, ultimately, build the life you want.To start exploring dentist mortgage loans, fill out the form below or browse through some of the best physician mortgage lenders across the country to learn more.

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