Benefits of a Dentist Loan
- Zero or Low Down Payment 0-10% is typical.
- No Private Mortgage Insurance(PMI) saving you up to 1% annually. That is a $10,000 per year savings on a 1 million dollar home.
- Student loan debt not counted against you. This allows you to qualify for a nicer home.
- Higher loan limits up to 2 million are available typically at the same rate.
- Ability to close 90 days prior to new employment beginning. Moving is stressful enough without starting a new job. Why move twice or pay huge premiums for long term housing.
Whether our clients are a first time home buyer or buying a new home in San Diego California, our vetted loan officers have a solid understanding of the local area real estate industry and what it requires to secure your dentist home loan with proficiency and know-how.
Our loan officers in San Diego California provide special financing for dentists, like you.
First off, let’s discuss why dentist mortgage loans even exist. The main reason is that dentists are extremely profitable clients for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use dentist home loans to lock in early career dentists by lending them more money with far fewer stipulations than their competitions.
Dentist Home Mortgage Experts In San Diego California
If you are trying to find a dentist home mortgage in San Diego California then you came to the perfect place.
You’ve worked very hard to become a dentist and buying home shouldn’t be nearly as challenging.
Did you know there is a special loan that makes it easy for dentists to buy a home?
A home loan specifically for dentists?
Yup, dentists get their own home loan!
A dentist home mortgage is a specialty loan program created just for dentists in the home purchasing process.
We recognize the economic demands of your student loan debt, and how important it is to preserve working capital for when the time is right with starting your dental career. Whether you are a couple years into practice, or a well established dentist, you can rely on us to find a home loan that is exclusively tailored for your needs.
A lot of dentists in San Diego California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or little to no work history.
Despite these reasons smart financial institutions know that dentists are a good choice considering that they traditionally have an incredibly low default rate on loans, high earning potential and stable jobs.
Not all mortgage lenders offer this specialized product and within banking institutions that do simply consulting with the best mortgage officer makes a significant difference.
Advantages of Dentist Home Mortgage Loans
- Usually does not include student loan regular monthly payments in debt-to-income ratio.
- Requires very low to no down payment (0-5 percent).
- Usually does not require private mortgage insurance (PMI), even when lower than 20 percent down payment.
- Will accept an agreement as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.
Purchasing a home doesn’t need to drain your savings and the process doesn’t need to drain your time.
Should You Put Money Down?
What if you have some cash to put down or are considering waiting until you have the funds?
Our mortgage lenders can do the math for you and show you what each circumstance looks like and the advantages of each too.
In most cases, you’ll get your mortgage loan paid off earlier and save thousands on interest rates too.
Additionally, don’t overlook that having equity in your home will most likely provide more security and flexibility, particularly if something unexpected happens. With the 100% financed dentist mortgage loan, you ought to anticipate to begin underwater. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for up to 10% of the purchase price simply to get out of the home.
Whether you’re moving down the road, across town or across the country, we are available to assist you throughout the dentist home loan process:: because you deserve it!
Dentists, get the home of your dreams with our San Diego California dentist home mortgage program!


