Home Financing for Dental & Wellness Professionals
Whether you’re fresh out of dental school or scaling your holistic health practice, we offer mortgage solutions tailored to the rhythm of your career and income structure.
We Understand Your Industry
Whether you own a growing practice, work 1099 across locations, or are balancing student loans with early-career income — we understand how your profession works and how to make your home loan work with it.
Common Client Profiles We Serve:
Recent dental school grads with high student loan balances
Practice owners with irregular income
Holistic wellness professionals with 1099/contractor income
Dual career couples in the health & wellness space
Providers ready to invest in multi-property wealth building
Custom Mortgage Options for Your Practice
Low Down Payment Loans
Doctor & Professional loan programs with 0–5% down, flexible student loan treatment, and no PMI in many cases.
Self-Employed Income Solutions
1099 or own your practice? We offer no-tax-return programs and bank statement qualification to keep things simple.
Lending That Aligns with Your Vision
- Experience with dental, med spa, and wellness professionals
- Evening and weekend availability — because your schedule is full
- Personalized strategy sessions (not just rate quotes)
- Student loan guidance built into your plan
- We simplify approval for self-employed or 1099 earners
“Stairway made it easy. I thought my 1099 income and debt would disqualify me — but Jim and his team knew exactly how to present my financials.”
— Dr. Ana P., Cosmetic Dentist
FAQ's
Can I qualify if I’m still paying off student loans?
Yes — our lenders understand professional education debt and can calculate your income accordingly.
What if I have 1099 income from multiple locations?
We help consolidate and present your income using bank statements or business documentation — no W-2 needed.
Can I get a loan if I’m opening a new practice?
Yes — we can often use future income projections, business plans, or professional contracts to support your file.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
Alexis Kulick - via Faceook
Easy and quick refinance with great rates and expert advice.
I recently refinanced my existing mortgage with Jim and his team, and I was so pleased with how easy and quick the whole process was. Jim and his team were very responsive to my questions, and I feel confident that I got the best rate and shaved 9 years off my mortgage. He is very knowledgeable and helped me determine the best option for myself and my family. Definitely recommend him.
Julian Einfrank - via Facebook
Complex loan scenario handled with expertise and care.
The process went smoothly. Jim Blackburn is a lending saint. He knows the market well and cares about his clients tremendously. The team made it really easy to do business, uploading documents and getting forms signed. Our situation is a bit complex. Rather than turn us away for some added work, they dug in to get it done right. They like the complexity, whereas other lenders don’t want to roll up their sleeves. Highly recommend Jim Blackburn for new loans and refinances!
Elizabeth Torres - via Facebook
Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.
David Livermore - via Google
Secured financing despite market challenges and self-employment.
Run, don't walk to work with Jim and his team. Jim helped us get financing when it seemed like an impossible feat. It was hard enough to be managing a home purchase 2000 miles away, but add to that an extremely competitive market and being self-employed, and it seemed impossible until Jim's team got involved. Jim was not only responsive; he consistently went above and beyond by making clear recommendations, working his magic, and ensuring that financing wasn’t a barrier for buying our dream house in one of the most competitive markets in the country.
Christina Curva Carrasco - via Facebook
Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.
Meet Jim Blackburn
Dental & Wellness Lending Specialist | Founder, Stairway Mortgage
“You’ve dedicated your career to helping others smile, heal, and thrive. Now it’s time we do the same for you — with a mortgage solution that reflects your growth and vision.”
