Nevada Dentist Mortgage — DDS + DMD + Dental Specialists Guide
Program figures verified July 2026 — details change; confirm your scenario with us.
The 60-second answer
If you're a dentist in Nevada — Las Vegas, Henderson, Reno, or anywhere in NV — you qualify for the same 100% LTV / no PMI physician loan available to MDs and DOs:
- $0 down up to $1.5M (680+ FICO) or $2M (720+ FICO)
- No PMI / no mortgage insurance at any LTV
- DDS and DMD both qualify — same program, identical terms
- Higher loan limits than conforming ($832,750 NV → physician loan goes to $2M)
- DTI up to 50% vs conventional 43%
- Dental school IBR/PAYE actual payment counts vs conventional's 1% phantom
For Nevada dentists graduating from UNLV School of Dental Medicine, Roseman University Henderson, or relocating from other states, the physician loan removes the typical financial obstacles to home ownership during early practice years.
Nevada dental education pipeline
UNLV School of Dental Medicine (Las Vegas)
- DMD program at UNLV
- One of Nevada's primary dental schools
- Many graduates stay in Las Vegas/Henderson area
Roseman University College of Dental Medicine (Henderson)
- DMD program at Roseman Henderson campus
- Growing dental school
- Henderson community focus
Out-of-state graduates relocating
Many NV dentists trained at other dental schools (Western U, Boston U, ATSU, Midwestern, etc.) and relocate to Nevada for practice opportunities.
Combined, Nevada has substantial dental graduate pipeline + established dental community.
Common Nevada dentist buyer profiles
New dentist (just graduated)
A typical Nevada new-dentist scenario:
- 0-2 years post-dental school
- $250K-$400K in dental school loans (often on IBR or PAYE)
- Associate position at established practice OR new buyer of practice
- Income $135K-$200K starting (climbing fast)
- Limited savings (most went to dental school)
- Wants first home in Las Vegas, Henderson, or Reno
Physician loan math: 100% LTV with no PMI; IBR student loan payment ($200-$400/mo) counts instead of $2.5K-$4K phantom payment under conventional. Resident-style qualifying.
Mid-career associate dentist
- 3-7 years post-graduation
- Income $185K-$285K
- Considering practice buy-in
- Wants home upgrade (often $625K-$1.2M)
Practice owner / partner
- 7+ years in practice
- Partner or solo owner
- Income $300K-$600K+ specialty
- Often substantial equity in current home
- Considering upgrade to Henderson Anthem, Summerlin, NW Reno
Dental specialist (oral surgeon, orthodontist)
Higher-earning specialists ($400K-$900K+):
- Often hit the program max ($2M) or exceed it
- Jumbo physician for $2M+
- Strong reserves + credit make qualifying clean
Where Nevada dentists actually buy
Las Vegas-area dentists
- Summerlin ($650K-$1.5M+) — premium master-planned
- Henderson Anthem ($725K-$1.5M) — family-focused
- Inspirada + Cadence Henderson ($475K-$800K) — newer construction
- Central Vegas / Arcadia ($475K-$1.2M) — character + walkable
Reno-area dentists
- NW Reno (Somersett, Caughlin Ranch) ($625K-$1.5M)
- Damonte Ranch ($475K-$650K)
- Old Southwest Reno ($550K-$1.1M)
Henderson + west valley dentists
- MacDonald Highlands ($3M+ ultra-luxury)
- Lake Las Vegas ($700K-$3M)
Common Nevada dentist scenarios
Scenario 1: New UNLV DMD graduate, first practice
- New UNLV DMD grad, starting associate position
- $155K starting salary at large LV practice
- $325K student loans, on IBR ($280/mo)
- Wants: $485K Henderson Inspirada or Cadence home
- Path: 100% LTV physician loan; IBR included
- Outcome: First home + new career start
Scenario 2: Established Reno orthodontist family
- 8 years in Reno orthodontics, established
- $485K income (K-1 partner)
- Wants: $1.4M NW Reno premium home
- Path: 100% LTV physician loan up to $2M
- Outcome: Premium move-up
Scenario 3: Roseman DMD grad joining Henderson practice
- New Roseman Henderson DMD grad
- Joining established Henderson practice as associate
- $145K + production bonus
- Wants: $525K Henderson Inspirada home
- Path: 100% LTV physician loan
- Outcome: New career + first home in Henderson area
Scenario 4: Dental specialist (oral surgeon) at $3M target
- LV oral surgeon, 10 years experience
- Income: $725K
- Target: $3M MacDonald Highlands custom home
- Path: 100% LTV physician loan to $2M + jumbo physician for remainder
- Outcome: Ultra-luxury custom home
Scenario 5: Solo practice owner refinancing for practice acquisition
- 5 years solo Vegas practice
- Need cash for additional practice acquisition ($350K)
- Current home value $725K, mortgage $385K
- Path: Cash-out refi via physician loan to extract equity for practice
- Outcome: Practice expansion funded
Nevada-specific dental practice considerations
Practice ownership financing
Practice acquisition loans (separate from personal mortgages):
- Bank of America Practice Solutions
- Wells Fargo Practice Finance
- Live Oak Bank
- Provide
- US Bank
- Additional Cornerstone program options
Mike coordinates with practice loan officers for dual home + practice scenarios.
NV state licensure
- NV State Board of Dental Examiners regulates
- Reciprocity from other states (varies)
- Continuing education requirements
Practice geographic considerations
- Las Vegas: substantial dental community, established practices, competitive
- Henderson: family-focused dental practices, growing
- Reno: established dental community, less competitive than LV
- Rural NV: opportunities for new graduate practices
Frequently asked questions
Do I qualify for the physician loan as a dentist?
Yes — DDS and DMD both eligible under Redwood Sequoia Medical Professionals Program. Same 100% LTV, no PMI, etc.
What about dental hygienists or dental assistants?
Not eligible under physician loan program (doctoral-level designation required). Conventional or FHA mortgages apply.
Can I include practice income in personal mortgage qualifying?
Yes if you're an owner — K-1 partnership or Schedule C net income counts. For W-2 associates, only W-2 income counts.
Can I refinance to access equity for practice expansion?
Yes — cash-out refi via physician loan available for legitimate uses. Practice acquisition is qualifying use.
What if I'm joining a DSO (corporate dental chain)?
Same qualifying as private practice associate. DSO W-2 employment counts; same physician loan eligibility.
What about dental residents in NV?
NV has limited dental residency programs. Most NV dentists are general practice associates, not residents. Specialty residency (oral surgery, orthodontics) typically out of state.
Can my dental partner spouse also use physician loan?
Yes — each eligible spouse can use physician loan separately. Or combined as co-borrower.
What's the typical NV dentist mortgage cap?
Most NV physician loans cap at $2M. Higher-income dentists buying $2M+ homes use jumbo physician or standard jumbo for the additional amount.
How does NV no state income tax affect my dental income?
For NV-resident dentists, all income (W-2 + K-1 + bonus) is NV-source (0% state tax). Substantial savings vs CA + other high-tax states.
Can I buy in NV while my practice is in CA (commuter scenario)?
Yes — your primary residence is your choice. CA income would still be CA-source for tax (consult CPA). Mortgage qualifying based on income, not employer state.
Talk to Mike about your NV dentist scenario
Free 30-minute call. Bring your situation — DDS/DMD year, current role (associate, partner, owner), NV target neighborhood, student loan status.
(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855
Sources
- UNLV School of Dental Medicine
- Roseman University College of Dental Medicine
- Redwood Residential Acquisition Corporation — Sequoia Medical Professionals Program Eligibility Guide v1.1
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment. Loans subject to buyer and property qualification.