DDS / DMD
Dentist Mortgages
Most physician-mortgage lenders extend the same program to dentists, including general dentists, oral surgeons, periodontists, orthodontists, and other dental specialists. Dental school debt loads are often higher than medical school, which is exactly the scenario this product is built for.
Quick eligibility check
If you hold DDS or DMD, we work with lenders that offer specialty mortgage programs with reduced or zero down payment, no PMI, and favorable treatment of student loans. Eligibility, loan caps, and exact tiers vary by lender, so we shop your scenario across the wholesale channel and route to the lender going to program minimums where allowed.
What you may qualify for
The most-permissive published structure for dentists across the wholesale channel:
| Down payment | Loan amount (typical) |
|---|---|
| 0% down | Loans up to roughly $1M |
| 5% down | Loans up to roughly $1.5M |
| 10% down | Loans up to roughly $2M |
Typically up to $2M; some lenders go higher. Individual lenders cap below these ranges. We work with lenders going to program minimums where allowed.
Student loan treatment
Most lenders that run a physician-style program for this profession either exclude student loans from DTI entirely or use the actual IBR / PAYE payment instead of the 1% of balance figure conventional underwriting falls back to. That single underwriting choice is often what moves a borrower from declined to approved.
On a conventional loan, deferred or income-driven student loans typically get assigned a monthly payment equal to 1 percent of the outstanding balance for DTI purposes. For dentists with significant graduate or professional school debt, that fallback can be the qualification blocker. The professional-mortgage path removes or substantially reduces that drag.
Future income / offer letter
New dentists starting their first role can typically qualify on a signed employment contract before the first paycheck. The standard window is 60 to 90 days before start date at most lenders, with some going further. Documentation is the fully executed contract, sometimes a separate verification letter from the employer, plus standard credit and asset paperwork.
Closing timing usually lines up with the start date. Many borrowers close 30 to 60 days before they begin the new role so they are moved in before the job starts.
Underwriting basics
- -Credit. 700+ FICO is the typical floor; some lenders flex on strong files.
- -Reserves. Typically 6 to 12 months PITIA in liquid assets at the larger loan sizes; smaller loans require less.
- -Occupancy. Primary residence is the standard product. A subset of lenders allow second home with stricter terms. Investment property is generally not eligible.
- -Term and structure. 30-year fixed, 15-year fixed, and ARM options are standard.
- -Rate. Typically similar to or slightly above standard jumbo rates with no discount points. The structural value is no PMI plus student loan flexibility, not a rate discount.
How this compares to the physician program
The physician program (MD, DO) is the original version of this product and tends to have the most permissive caps and the widest lender availability. The dentist version of the program shares the same structural design - no PMI, low or zero down, student loan flexibility - but may have tighter loan size caps or higher minimum down payments at some lenders.
See the physician mortgage page for the canonical version of the program, then come back here for the dentist-specific variation.
Frequently Asked Questions
What is a dentist mortgage?+
A dentist mortgage is a physician-style specialty loan program extended by a number of wholesale lenders to dentists holding DDS, DMD. It typically allows a lower down payment than a standard jumbo, no PMI, and more favorable treatment of student loan debt in the DTI calculation. Typically up to $2M; some lenders go higher.
How are student loans treated on a dentist mortgage?+
Most lenders that run a physician-style program for this profession either exclude student loans from DTI entirely or use the actual IBR / PAYE payment instead of the 1% of balance figure conventional underwriting falls back to. That single underwriting choice is often what moves a borrower from declined to approved.
Can a newly licensed dentist qualify using an offer letter?+
Yes, at most lenders. A signed employment contract for the new role typically lets you qualify on the contract income before your first paycheck, usually within 60 to 90 days of start date. We route to the most permissive window where allowed.
What is the maximum loan amount for dentists?+
Typically up to $2M; some lenders go higher. The specific cap depends on lender, state, and borrower profile. We work with lenders going to program minimums where allowed.
Can dentists use this program for an investment property?+
Generally no. Most physician-style programs - including the version offered to dentists - are limited to a primary residence. A subset of lenders allow a second home with stricter terms. For investment property, the right tool is usually a DSCR loan or standard non-owner financing rather than a professional-mortgage program.
Price a dentist mortgage scenario
Use the live pricer for general jumbo pricing, or email a brief description of your scenario (license status, target loan size, target state) and we will route it through the program that fits.
All professions
Back to the professional mortgage hub
Physician mortgage
The canonical MD / DO version
Jumbo loan rates
Standard jumbo comparison
Eligibility, rates, loan amount limits, and program guidelines vary by lender and are subject to change. This page is general educational information and is not a commitment to lend or an offer of credit. Not all applicants will qualify. Equal Housing Opportunity.