Huntington

Practice Finance and Mortgage Loans

ODA Member Benefit

Practice Finance Loans: No origination fees on any Practice Finance Loan product. Fees charged in connection with SBA guaranteed loans (including guarantee and packaging fees), if applicable, are not waived.

Doctors only Mortgage: $500 Closing Cost Discount. Up to 100% financing under $1 million.

Dental Practice Loans

With a dental practice loan from Huntington, we can help turn your goals of starting a dental practice, acquiring a practice, or expanding your current space into reality. We offer competitive interest rates, flexible loan terms, and we’ll be there for you through every step of the loan process.

From the first point of contact and beyond, our dedicated practice specialists work with you to understand the specific needs of your practice, all to ensure you receive the right loan for your circumstances. Contact a practice specialist to begin your dental practice loan application today.

Dental Practice Financing

Whether you’re ready to start your first practice, looking to finance new equipment, or expanding your existing practice, we’re ready to accommodate almost any stage in your practice. Our practice lending solutions include:

Starting or Buying a Dental Practice

  • Start-up loans.
  • Practice acquisition.
  • Owner-occupied real estate loans.

Dental Equipment Financing

  • Equipment loans.
  • Up to 100% of project financing.

Expanding Your Dental Practice

  • Debt refinancing and consolidation.
  • Purchase or expand office space.
  • Ground up construction financing.
Experience That Empowers Your Business

Our goal is to help you reach yours. We rely on our extensive experience in practice finance to help find solutions for your specific business needs and objectives.

Dental Practice Loan Benefits

We are a hands-on team of experienced practice specialists, eager to personalize our loan features and business resources to fit your practice, because our ultimate goal is your practice’s success. With a dental practice loan from Huntington, you could receive:

  • Up to 100% Financing on Practice and Real Estate Needs.
  • Deferred and Interest-Only Payments.
  • Flexible Loan Terms.
  • Fixed, Competitive Interest Rates.

We know that choosing a practice loan is a stressful decision, and that’s why we do our best to help make the loan process seamless.

If you apply for a practice loan at Huntington, you’ll have the support of the entire Huntington team if you need them, but a single point of contact you can reach out to at any time. Your practice specialist will have weekly conversations with you to discuss loan progress and a closing checklist is shared via email every 72 hours, so you always know where you stand.

Support for First-Time Dental Practice Owners

At Huntington, we make sure each dental practice owner receives direct support from practice specialists, and we also offer additional assistance specifically for first-time practice owners through our Financial Pulse Program.†

We know that starting your first practice isn’t easy. You’re not just caring for patients; you’re dealing with the challenges of becoming a business owner, too. Our Financial Pulse Program is built to provide comprehensive support to first-time practice owners as they navigate the first 18-24 months of practice ownership.

Our Pulse Specialists have industry-specific experience and have coached hundreds of new practice owners. Once your loan is approved, you’ll have your first call with a Pulse Specialist and be able to reach out to them with questions or concerns about your practice. Your Pulse Specialist will also proactively reach out to provide feedback and suggestions to help increase the financial health of your practice. Pulse Specialists are a great resource for a variety of topics including marketing, staffing, budgeting, patient attrition, and more.

Mortgage Offer:

The right home loan for practicing dentists.

You’re established in your field and you have more stability than when you were a dental student or resident. But home financing can be a challenge, even at this stage of your career. Our options can help you throughout the process.

We’re for people – just like you. So we created loans only for you.

  • 100% financing up to $1,000,000. – no money down. †
  • No private mortgage insurance.
  • No pre-payment penalty.
  • 50% DTI (debt to income) – Making it easier to qualify for higher loan amounts.
  • Close on your home up to 90 days before relocating or changing jobs – Most companies either require prior work experience or for you to already be in your new position. †
  • Up to 3% to 9% seller contributions are allowed – ask your real estate agent for details.
  • Flexible terms – select the loan terms that are best for you. (3-Year ARM; 5-Year ARM; 7-Year ARM; 10-Year ARM; or 15-Year ARM)

$500 Closing Cost Credit for new purchase or refinance using Huntington’s ODA Mortgage Partnership Team (see contact details below).

For specific inquiries on Rates, Products, in-person communication or education please contact Mortgage Loan Officer Brian Scarpino (NMLS# 1492589.)

About Huntington

Welcome to Huntington. Thank you for your interest in learning more about us.

Huntington Bancshares Incorporated is a $201 billion asset regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, The Huntington National Bank and its affiliates provide consumers, small and middle-market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Huntington operates approximately 975 branches in 12 states, with certain businesses operating in extended geographies.

What We Do

Huntington is a full-service banking provider primarily operating across an eleven-state banking franchise of Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin. Our “Welcome” philosophy centers around deep relationship-building capabilities to best meet each customer’s specific needs. We serve our customers through a banking network of over 1,000 full-service branches, including 11 Private Client Group offices, and over 1,600 ATM locations.

We at Huntington are committed to doing the right thing for our customers, colleagues, shareholders and communities. We excel by:

  • Providing competitive products and services and delivering a superior customer experience, always striving to earn the trust of our customers.
  • Delivering long-term shareholder value through top-tier performance, while maintaining an aggregate moderate-to-low risk appetite and well-capitalized position.
  • Equipping our colleagues to be the best at looking out for our customers, continuously improving our workplace and ensuring Huntington’s ongoing success.
  • Contributing to the economic strength of our local communities by investing in business growth, partnering and volunteering to make a difference where we live and work.

Contact Us

† Program only available to medical professionals who have a minimum degree of MD, DO, DMD, DVM, or DDS and proof of sufficient income or active employment contract with proof of sufficient income and reserves. Minimum reserves required vary depending on amount of the loan. Maximum loan amount at 100% financing is $1,000,000, at 95% financing is $1,750,000 and 89.99% financing is $2,500,000. Loan-to-value (LTV) financing options vary based on customer FICO score. Maximum overall loan amount is $2,500,000 with a maximum overall cash out option of $250,000 for refinances. Program is limited to the purchase or refinance of a primary residence. All loans are subject to application and credit approval, satisfactory appraisal, and title insurance.

Lending products are subject to credit application and approval.

Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

$500 Closing Cost Offer limited to one closing cost discount per loan.

All loans are subject to application and credit approval, satisfactory appraisal, and title insurance. Terms, conditions, and loan programs are subject to change without notice. Other terms, conditions, and restrictions may apply.

The Huntington National Bank is an Equal Housing Lender and Member FDIC. ®, Huntington®,Huntington. Welcome.® and Huntington Heads Up® are federally registered service marks of Huntington Bancshares Incorporated. © 2024 Huntington Bancshares Incorporated.