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Home Loans for Dentists

Mortgages for Dentists

Home buying and loan refinancing programs offered to dentists.

USA Home Financing provides dental professionals with highly-competitive home loan programs.  This includes home purchasing programs that require very little money down with excellent loan terms.  Qualifying dentists and employees of dental offices may also apply for a wide range of low interest rate, low fee refinance loans.

Home Buying Programs for Dentists

We provide dentists with a variety of the best home buying loans, including for first time home buyers.  This includes conventional home loans up to 95%, which means you would only need to place a down payment of 5%.  We also have a variety of government-backed loan programs, investment property mortgages, jumbo loans, and FHA loans.  FHA loans are  the preferred option for first time home buyers, mostly due to their lenient guidelines for qualifying for a home mortgage.  Also, FHA loans only require a 3.5% down payment on a home purchase loan.  This means you may qualify for up to 96.5%.

Jumbo Loans for Dentists

Dental professionals often want to buy a more luxurious and extravagant home.  The conforming loan limit varies by county, but most counties are capped at $417,000, and high cost areas are as high as $629,500.  If you want to buy a home that will require a nonconforming loan amount, you will need to obtain a jumbo mortgage loan.  Our jumbo loans are available up to $2,000,000.

Mortgage Refinancing

Dentists looking to lower their monthly mortgage payment, take cast out, or change other terms such as the amortization of their loan should apply for one of our competitive refinancing programs.  We have several options to choose from, including conventional refinancing, FHA refinancing, and the government loan program HARP for underwater homeowners.

A lot of the attraction to FHA loans goes beyond the famous FHA first time home buyer loan.  Another major reason for their popularity is due to the fact that FHA mortgages provide the highest LTV ratio on cash out refinances.  This means a FHA loan will usually allow more equity to be cashed out than a conventional home mortgage.

FHA loans have what is likely the easiest refinancing process. Once you are in an FHA insured loan, you may qualify for future FHA streamline refinances.  The FHA streamline is an incredibly simple and efficient process that only requires a minimal amount of documentation in order to process and close.  It does not require an appraisal, income or asset documentation, or a credit check.  Many FHA streamline refinances close in two weeks or less.  It is a fast way to lower your rate and payment.

Dentists in the Following States May Apply:

Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Kansas, Louisiana, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming.

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Home Loan Programs Available In:

Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Kansas, Louisiana, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.