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.
Explore our dedicated guides: DDS Mortgage Program | DMD Mortgage Program
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.
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. See our DDS Mortgage and DMD Mortgage guides for detailed program terms.
Self-Employed Income Solutions
1099 or own your practice? We offer no-tax-return programs and bank statement qualification to keep things simple. Our DDS Mortgage Program covers practice ownership documentation, and the DMD Mortgage Program addresses income ramp-up challenges for newer practitioners.
Multi-Unit or Wealth Building Loans
Buying your first or second property? We structure creative solutions that maximize your ROI and minimize your stress. Explore investment strategies in our DDS Mortgage guide or visit our Build a Wealth Plan Journey.
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?
For a detailed breakdown of how student loan payments affect your DTI and qualification, read our DDS Mortgage: Student Loan Treatment guide or the DMD Mortgage: Income Ramp-Up Challenge guide. Recent graduates and dental residents should also see the Medical Resident & Fellow Home Loan Program.
What if I have 1099 income from multiple locations?
Our DDS Mortgage Program covers multi-source income documentation in detail, including how manual underwriting aggregates 1099 and W-2 income from different practice locations.
Can I get a loan if I’m opening a new practice?
Our DDS Mortgage guide includes a full section on balancing practice ownership and home ownership, including equipment financing timelines and how the three-investment challenge (education + practice + equipment) is evaluated. The DMD Mortgage guide covers self-employment documentation gaps with a worked example showing how cash flow differs from taxable income.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
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.
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!
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.
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.
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.”
