skip to main content
medical professionals loan
Home financing designed exclusively for those who care for others. Enjoy special benefits tailored to your profession.
mortgages made for medical professionals
custom mortgage solutions designed for healthcare professionals
You dedicate your life to helping others—now it’s our turn to support you. The Medical Professionals Loan offers tailored home financing with features like little to no money down, no PMI requirements, and flexible debt-to-income ratios to help you get into your new home with ease.
This mortgage is designed for licensed and credentialed professionals in the medical field, including MD, DO, DPM, Dentist, Chiropractor, Veterinarian, Physician Assistant, Nurse Practitioner, and Nurse Anesthetist. If you work in healthcare but don’t see your title listed, contact a mortgage advisor—we may be able to provide a custom solution for your needs.
Our local mortgage advisors are ready to guide you through the pre-qualification process and help you find the loan that fits your budget and lifestyle.
Features
- $0 down payment options available – Qualified medical professionals may be able to get started with little to no upfront investment
- No private mortgage insurance (PMI) – Lower monthly payments with no PMI requirement
- Flexible debt-to-income ratio requirements – Designed to work with your financial reality
- Budget-friendly payment options – Loans structured to help you manage monthly costs
- Easy pre-qualification process – Get started quickly with expert support
- Eligible professions – MD, DO, DPM, Dentist, Chiropractor, Veterinarian, PA, NP, CRNA
- Don’t see your title? – Contact us to explore custom options for other healthcare roles
Ideal For:
A Medical Professional Loan is an excellent option for new doctors, dentists, and other eligible healthcare professionals completing or having recently completed residency or fellowship. It’s designed for those who may have limited savings today but possess strong earning potential in the near future and are seeking a higher-priced home.
Frequently Asked Questions
A: The Medical Professionals Loan is designed for licensed and credentialed healthcare providers, including MD, DO, DPM, Dentist, Chiropractor, Veterinarian, Physician Assistant, Nurse Practitioner, and Nurse Anesthetist. If you work in healthcare and don’t see your title listed, you may still qualify.
To confirm eligibility for your specific role, speak with a Mortgage Advisor.
A: This program offers little to no money down for qualified borrowers, making it easier to purchase a home without a large upfront investment. Down payment requirements vary based on your credit profile, loan amount, and property type.
A Mortgage Advisor can help determine whether you qualify for a zero-down option.
A: In some cases, qualified medical professionals may be able to exclude or reduce the impact of student loan debt when determining eligibility. This depends on factors such as employment status, income, and repayment structure.
A Mortgage Advisor can review your situation and explain how student loans may be considered.
A: No. One of the standout benefits of the Medical Professionals Loan is that it does not require private mortgage insurance (PMI), even with a low or no down payment. This helps reduce your monthly mortgage cost compared to many traditional financing options.
If you'd like to compare your payment with and without PMI, talk with a Mortgage Advisor.
A: Yes. Borrowers who are completing or have recently completed residency or fellowship may qualify. You may also be eligible if you will begin employment with a medical facility or practice within 60 days of closing, as long as you can provide an offer letter or employment contract.
To verify your employment timeline and documentation, connect with a Mortgage Advisor.
A: This program is typically available for primary residences, including single-family homes and certain approved condos. Property eligibility may vary depending on loan amount, down payment, and underwriting guidelines.
If you have a specific home in mind, a Mortgage Advisor can confirm whether it qualifies.
plan your next move
explore our mortgage calculators
Understanding your mortgage options can make a big difference in your financial future. Our mortgage calculators help you figure out monthly payments, estimate costs, and explore loan types to find what works best for you. Whether you’re buying a home, refinancing, or planning for the future, these tools give you the information you need to make confident choices.
related mortgage articles
Homebuying Basics: Closing Costs Explained
A simple, easy to understand guide to what closing costs are, when they’re paid, and how to prepare for them.
7 Questions to Ask Before Refinancing Your Mortgage
Is now the right time to refinance your mortgage? Here is a guide of key points and recommended questions to ask before refinancing.
13 Home Selling Hacks To Get the Highest Offer for Your Home
A home is the most significant financial investment you will ever make. Make sure you get the most for it when you decide to sell. Take these tips to ensure you sell your home quickly and for the highest possible price.
How to Build Your Dream Home with a Construction Loan
What if your dream home isn’t even on the market? Maybe it’s not, because you haven’t built it yet! A construction loan can open up a whole new world of homebuying possibilities! Here’s how they work.
Offer and terms subject to change. Loans subject to credit and collateral approval. Rate and term based on individual credit history and program guidelines. Consult a mortgage advisor for more details. To qualify, applicant must be currently employed or will be working for a medical facility/practice within 60 days after loan closing date.