A busy practice is seeking a full-time associate orthodontist in Gainesville, Georgia.
Gainesville combines a small-town feel with big-city conveniences. It is located on the shores of Lake Lanier and at the foothills of the Blue Ridge Mountains. Gainesville offers an affordable lifestyle, warm Southern hospitality, and a great many amenities, including arts, culture, and entertainment options. The area is beautiful, featuring open landscapes that showcase the serenity of the town.
It is approximately 50 miles northeast of Atlanta and 100 miles southwest of Greenville, South Carolina. As the business hub for Northeast Georgia, Forbes ranked Gainesville #14 as the Best Small Places for Business and Careers.
Gainesville offers residents an urban-suburban mix feel which many young professionals enjoy. Niche ranks Gainesville as the #14 Most Diverse Places to Live in Georgia, one of the Most Diverse Suburbs in the state, and ranked as one of the best suburbs for young professionals in Georgia. Barron’s Magazine named it one of the top 10 American Cities to Retire In.
The area is brimming with things to do, great restaurants, and unique events. Downtown Gainesville has countless shops and attractions, including science and nature centers, art galleries, and Civil War landmarks. The historic square is home to more than 50 quaint shops and local eateries.
There is an abundance of outdoor activities in the Queen City thanks to its relatively pleasant climate. Lake Lanier has an impressive shoreline and is a popular destination for camping, horseback riding, and any number of water or outdoor activities, as it also includes numerous marinas. It was home of the 1996 Centennial Olympic rowing, canoe, and kayak events – the Lake Lanier Olympic Park is an icon for these sports hosting training regattas. Gainesville Parks and Recreation operates 21 parks and over 450 acres of land, perfect for a family outing, an evening adventure, or enjoy some solitude time in nature.
Consider working as a full-time orthodontic associate in an area that boasts about its variety of attractions, historical tours, and adventurous outdoor activities! If you are interested in learning more about this practice opportunity, please forward your CV and letter of interest to firstname.lastname@example.org.
Smile Doctors is seeking a full-time orthodontic associate to join their team in Kansas City, Missouri.
Kansas City is located in the heart of America and is a bi-state community that spans both the Kansas and Missouri state lines. Kansas City is a cosmopolitan and diverse community embracing technology and innovation with world-class museums, an exciting arts scene, world-famous barbecue, and many professional sports teams. All while it offers big city amenities with a hometown atmosphere!
The area has multiple characteristics that set it apart from other Midwestern towns. Kansas City prides itself on having one of the lowest costs of living in the country. There are many neighborhood options available – ranging from a mixture of urban to suburban communities. The city has a steadily growing job market with a wide variety of career opportunities. USnews.com reports the market is promising which is a tremendous benefit for those looking to relocate. As many Millennials flock to Kansas City, the area is experiencing small independent business growth with high-end custom boutiques, restaurants, and coffee houses.
Kansas City is an outdoor paradise with an array of venues for activities including, hiking, biking, tennis, golf, and even ice skating. As Kansas City’s largest park, Swope Park is home to some of Kansas City’s finest attractions, including the Kansas City Zoo, Lakeside Nature Center, and Kansas City Community Gardens. Nearby Shawnee Mission Park is popular among residents for its kayaking, canoeing, and sailboarding – not to mention it has a disc golf course, equestrian trails, and an archery range. Also, Shawnee Mission Park is home to the Theatre in the Park, a musical theatre community venue offering performances under the stars. In 2018, Money Magazine ranked Shawnee Mission Park the Best Park in Kansas.
Smile Doctors Mission:
Our mission is to brighten futures through authentic smiles within our communities. We love people first, straighten teeth second. At Smile Doctors, we see people as people and embrace authentic smiles. Our people-first culture creates a fun-loving contagious environment with positive interactions that inspire team members and patients to uplift themselves and others within the communities we serve.
You just finished orthodontic residency. You have borrowed hundreds of thousands of dollars to pay for your education and you are about to move to start your new career. Can you afford to buy a home when you get there?
Many of you have borrowed more for school than you will earn in your first two years of your employment but you are about to start a career that promises job security and a high salary, so can you afford to buy a home? What are your options? One option I recently heard about is a “physician mortgage loan” and I want to share this information with young doctors who are starting their careers but also have a desire to have some equity in a home.
What is a physician mortgage loan?
A physician or “doctor” mortgage is a special loan program that a lender puts in place to attract high-income clients by allowing health care professionals such as doctors and dentists to secure a mortgage with fewer restrictions than a conventional mortgage. The physician loan program is a low to no down payment mortgage designed for physicians, dentists, and other eligible medical professionals. The program is a great home financing option for doctors because they offer jumbo loan balances and relaxed debt-to-income ratios without private mortgage insurance (PMI). PMI is typically required for loans where the down payment amount is less than 20%. Physician home loans are also known as doctor loans, doctor home loans, and doctor mortgage loans.
Does an orthodontist qualify for physician loans?
Yes, all physician loan programs are available to medical doctors with M.D. or D.O. degrees and some are available to dentists and orthodontists with D.D.S. or D.M.D. degrees. Lenders and banks realize that becoming a doctor or dentist is a long process, so the lending criteria can vary depending on how far along the borrower is in training or career development. Physician mortgage loans are primarily for doctors purchasing their first home or refinancing a primary residence. They are not intended for purchasing a second or vacation homes.
How does a physician mortgage loan work?
Physician loans differ from conventional mortgages in three ways: They don’t require PMI, which traditional loans do require. On large loan amounts, the PMI can add hundreds of dollars to the monthly payment, a physician loan frees up that money so it can go toward other expenses including student debt. Physician loans are also more flexible with debt-to-income ratios and they accept residency contracts as verification of employment.
Debt-to-income ratio: When lenders review a mortgage application, typically they scrutinize the borrower’s debt-to-income (DTI) ratio, which is the percentage of monthly income that goes toward paying off debts. Applicants with a high DTI are flagged riskier than applicants with a low DTI. We are all well aware that orthodontists, especially early in their careers, will have a high DTI ratio due to education debt in the six-figures, making it difficult to qualify for a mortgage. However, some physician loan programs do not count medical/dental school debt if the payments are deferred or in forbearance for a certain period, this reduces the DTI making it easier to qualify for a loan.
What do you need to qualify for a physician loan?
You will need employment verification and proof of income. Mortgage lenders typically require borrowers to prove that they’re working and earning income. Typically, loan applicants that are about to be hired but have not actually worked do not qualify for a loan. However, physician mortgage loans are the exception. Lenders will allow the borrower to show an employment agreement as proof of employment even before their job begins and some lenders will even lend to borrowers that work as independent contractors.
How do you find a physician loan?
When getting any type of mortgage, it is always best to shop around, starting with the bank or credit union with which you already have a relationship. Unfortunately, many lenders tend to keep this program secret and the information is not easy to find, below is a list of Physician lenders who extend their programs to Dentists (DMD/DDS):
Bank of Nashville (AL, FL, GA, SC, TN, NC, and MS)
Bank of America (All 50 states)
Regions Bank (TX, IA, MO, AR, LA, IL, IN, KY, TN, MS, AL, GA, FL, VA, NC, and SC)
SunTrust Bank (AL, AR, DE, FL, GA, MD, MS, NC, SC, TN, VA, WV, and DC parts of NJ and PA)
Lake Michigan Credit Union (Michigan Only)
BBVA/Compass Bank (AL, AR, AZ, CA, CO, FL, GA, ID, KS, LA, MA, NM, NV, OK, OR, PA, RI, TN, TX, VA, and WA)
During the past few decades, there has been a significant increase in the number of women entering the dental industry. While pediatric dentists continue to lead the charge with a whopping 52% of providers being female, the orthodontic industry is also making headway with females representing 31% of the workforce.
According to the 2019-2020 Survey of Advanced Dental Education, females represent 69% of all pediatric dental residents and 52% of all orthodontic residents. And for the first time in history, more females (195) than males (193) graduated from orthodontic residency in the United States in 2019-2020.
It’s projected the percentage of female providers in these specialties will increase in years to come. What effect has this growth had on gender gap earnings? The answer may surprise you.
An orthodontic practice in Corpus Christi, Texas is seeking a full-time associate orthodontist.
Live, work, and play in one of the most charming cities on the Texas Gulf Coast. This big city offers the feeling of a small community and the best Southern hospitality in Texas. The metropolitan offers a family-friendly culture with a vibrant art and music scene – the Sparkling City by the Sea is capitalizing on the great Texas economy while still celebrating life on the coast.
With eleven sun-soaked beaches, two marinas, and an abundance of sunshine every year, Corpus Christi is well-known for its outdoor activities to locals and visitors. Due to its location on the Gulf, it is one of the best cities in North America for kiteboarding, windsurfing, kite flying, and sailing. The city has even hosted the Windsurfing World Championship. The area is an outdoorsman’s paradise with hunting, fishing, birdwatching, and world-class beaches such as the Padre Island National Seashore (the longest stretch of undeveloped barrier islands in the world) and Mustang Island State Park. There are miles of beaches to soak up the sun or just enjoy a nice walk at sunset.
The Corpus Christi Seawall is a 1.75-mile scenic walkway running along downtown used by joggers, bikers, and tourists. It is one of the hottest attractions around town because of its proximity to gorgeous vistas and hot spots like the Corpus Christi Marina, numerous restaurants, and the Selena Memorial.
Corpus Christi and the surrounding region are culturally rich and diverse, offer excellent educational opportunities, a strong economy, exceptional healthcare facilities, and affordable living. It is a center for the petroleum and petrochemical industry and a major shipping gateway on the Intracoastal Waterway. The city and region have a strong economy based on a healthy mixture of public and private enterprises. There is a strong military presence with two naval air stations in the vicinity.
A busy, multi-location practice with an office in Warner Robins, Georgia is seeking a full-time orthodontic associate.
Warner Robins is known as the “Home of Planes, Trains, and Heroes” located in the heart of Georgia and is approximately 20 miles from Macon and 102 miles from Atlanta, both due north. The area offers genuine southern hospitality and over 75 years of aviation and train history. Much of the town’s history is featured at the Historic Depot Row featuring the E.L Greenway Welcome Center Train Depot, which is listed on the National Register of Historic Places.
The area is peaceful and offers a family-centered life – so it’s easy to feel at home. Along with the presence of good schools, Warner Robins makes for a great place to settle down and raise a family and is popular among young professionals. Business Week named Warner Robins the “Best Place to Raise a Family” in Georgia. It’s one of the best places to live in the Macon area and is also ranked in the top 25 of the suburbs with the lowest cost of living in Georgia. General living costs and home prices are well below the national average, making it affordable for its residents.
Warner Robins is a small town with a big heart offering 12 neighborhood parks spread throughout the area, such as Fountain Park and Wellston Park, and the Ocmulgee Wildlife Management Area is less than an hour away.
A busy orthodontic practice located in Frisco, Colorado is seeking a full-time associate.
Among the high peaks of the Colorado Rockies, you will find the impressive town of Frisco. Located one hour west of Denver, in the middle of six world-class ski areas, on a 55-mile recreational path system, and along the shores of the beautiful Dillon Reservoir, Frisco is at the epicenter of recreation and commerce in Summit County, Colorado. Known for snowy winters and mild summers, Frisco offers an urban-suburban mixed feel, perfect for families or adventurous individuals.
There is a thriving business environment in Frisco, where opportunity beckons offering well-educated and motivated workers, a first-class infrastructure, and a growing residential base. Frisco is home to over 50 restaurants, including five coffee shops and two breweries. Frisco is known for being a town that loves dogs – as there are plenty of restaurants with outdoor patios, walking paths, and parks! Combine all of this with beautiful mountain scenery and small-town atmosphere creating authentic events, which speak to the uniqueness of mountain life – you’ve got a charming, successful town in Frisco.
This is a superb opportunity for an orthodontic associate to work and play in an exclusive area full of year-round outdoor recreation, engaging community events, and a true mountain lifestyle. You will be enriched by the serenity of nature’s beauty and the unique people this area attracts from all over the world! If you are interested in learning more about this practice opportunity, please forward your CV and letter of interest to email@example.com.
A private orthodontic practice located in the suburbs of Grand Rapids, Michigan is seeking a full-time associate with the potential for a future partnership to join their distinct and unique team.
The private practice is up to date with a newly designed office, digital radiographs with CBCT, intraoral scanners, and 3D printed models. It is a highly efficient practice with excellent staff and a great work environment.
The practice has a great reputation and is located in a growing suburb about 15 minutes from downtown Grand Rapids where there are many live music venues, various breweries, and delicious local eateries. In addition, this vibrant area is only 30 minutes from beautiful Lake Michigan in a family-friendly community recognized for having several of the top public-school systems in Michigan. The area highlights an unemployment rate less than the national average and low cost of living, making it an ideal spot for young professionals.
If you are looking to practice in an area with a family-friendly feel, lots of social activity, and outdoor recreation, this opportunity is a perfect fit. To learn more about this opportunity, please forward your CV and letter of interest to firstname.lastname@example.org.
A busy private orthodontic practice located in Contra Costa County, California is seeking a full-time associate.
Contra Costa County, California is located in the East Bay region of the San Francisco Bay Area. The area encompasses multiple communities including Brentwood, Danville, Lafayette, Orinda, Walnut Creek, San Ramon, Concord, and several other cities.
The valley is surrounded by rolling hills and is connected to San Francisco and most of the rest of the East Bay by the region’s high-speed rail system, BART (Bay Area Rapid Transit). Contra Costa County is a series of small enclaves of tightly knit, safe communities ideal for raising children. There are over a million residents in the county, making it the ninth most populous region in California.
Contra Costa County has a diverse population and while most are native-born, the area has significant Asian and Latino populations. In fact, more than a quarter of the people who reside in Contra Costa County speak another language besides English at home.
The area is within an hour drive of the beautiful California coast and within several hours of the Sequoia National Park, Lake Tahoe, and Yosemite National Park offering residents a wide array of sports and outdoor activities including surfing, skiing, bicycling, hang gliding, hiking, kayaking, and camping.
This is an excellent associate opportunity for an orthodontist seeking an opportunity that has a potential path to equity for a partnership. To learn more about this practice opportunity, please forward your CV and letter of interest to Shannon Patterson at email@example.com.
An orthodontic practice located in Tuscaloosa, Alabama is seeking a motivated full-time orthodontic associate to join their practice.
Tuscaloosa is a diverse, family-friendly community offering something for everyone. It is one of the best places to live in Alabama with a dense suburban feel with its a lively downtown scene, friendly neighborhoods, and excellent schools. The city home to the renowned University of Alabama Crimson Tide football team. It is additionally the regional center of industry, commerce, healthcare, and education in west Alabama. The area is built on a history of progress and growth that precedes its athletic excellence.
There has been a recent explosion of locally owned-and-operated craft breweries. Many locals enjoy mid-week entertainment via Tuesday Trivia or hearing one of the local bands on a cover patio downtown. It’s animated nightlife, dining and shopping opportunities, coffee bars, music festivals, and world-class sporting events make it a fun-filled destination for residents, visitors, and college students alike.
Tuscaloosa is only minutes away from some of the best water and outdoor activities the state has to offer. If you are looking for some fun in the sun, outdoor enthusiasts can hike or bike 23 miles of multi-use trails located at Lake Lurleen State Park. The park also features a nature center, fishing, paddleboats, birdwatching, and swimming. The Riverwalk is one of the most popular places in Tuscaloosa for its running, biking, walking, and dog walking trails. Playgrounds, picnic tables, benches, and gazebos are located along the path of this family-friendly stroll way.
Tuscaloosa’s Ol’ Colony Golf Course was named, “Best Public Course in Alabama” and “Top 50 in the USA” by Golf Digest. The course features 7,500 yards of Bermuda grass fairways with over 70 bunkers and 25 acres of lakes. This opportunity will allow you to practice with a skilled and motivated team focused on delivering exceptional clinical care to patients.