stethoscope
The Cure to Renting.

Mortgage loans for Doctors.

Our Doctor Loan Program is built around your unique financial journey. Whether you're just starting out or well into your career, we work around your demanding schedule, so you can focus on your patients while we focus on your home.

Apply Now
doctor mortgage loans

Features & Benefits

Up to 100% Financing

Medical professionals can finance the full purchase price on loans up to $2 million.

No Private Mortgage Insurance

Enjoy added savings with no PMI required, lowering your monthly payment.

Excluded Student Loan Debt

Deferred loans may be excluded from your debt-to-income (DTI) calculation.

Close Before You Start

Practicing doctors or residents and fellows with a job lined up can close up to 150 days before starting.

Fixed and Adjustable Rate Options

Choose a 15, 20, 25, or 30 year fixed rate mortgage or a 5/6, 7/6, or  10/6 adjustable rate mortgage. 
ELIGIBILITY REQUIREMENTS

Medical professionals who qualify include:

check_circle
Actively practicing medical doctors (MD, DO, DDS, DMD, DVM, DPT, PharmD, DC, DPM, CRNA*)
check_circle
Medical fellows or residents currently employed or starting within 150 days of closing
contact_support
connect with an expert

The cure to renting.

Contact a mortgage loan officer today. Our experts are ready to guide you through the process with exceptional service.

Connect with a Mortgage Loan Officer

Frequently Asked Questions

1

Who can get a Doctor Mortgage Loan?
expand_circle_down

MD - Doctor of Medicine

DO - Doctor of Osteopathic Medicine

DDS - Doctor of Dental Surgery

DMD - Doctor of Medicine in Dentistry

DVM - Doctor of Veterinary Medicine

DPT - Doctor of Physical Therapy

PharmD - Doctor of Pharmacy

DC - Doctor of Chiropractic

DPM - Doctor of Podiatric Medicine

CRNA - Certified Registered Nurse Anesthetist (with DNP/DNAP)

 

Medical fellows or residents currently employed or starting within 90 days of closing

 

Non-practicing doctors who are solely employed as a professor or in research are not eligible for this program.

‍

2

What credit score do I need?
expand_circle_down

Programs start at a 680 credit score, with thestrongest terms available at 720 and above.

3

What type of residence qualifies for the Doctor Mortgage Loan?
expand_circle_down

Primary Residence Only - Single Family, PUD, warrantable condos and townhomes.  

‍

3

What are the minimum and maximum loan amounts?
expand_circle_down

Loans start at $100,000 and go up to $2 million. Adjustable-rate loans have a $350,000 minimum.

‍

4

Do I have to make a down payment for the Doctor Mortgage loan?
expand_circle_down

Finance up to 100% of the purchase price with low-to-no down payment.

‍

4

Can I refinance with a Doctor Mortgage Loan?
expand_circle_down

Yes. Rate-and-term refinances on a primary residence are eligible. Texas home equity loans, are not eligible under this program.

‍

5

Does a Doctor Mortgage Loan require mortgage insurance?
expand_circle_down

There is no mortgage insurance required with our Doctor Mortgage Loan.

‍

99

Can I have a co-borrower?
expand_circle_down

Yes. A non-occupying co-borrower can help you qualify if their income is ≤50% of total qualifying income.

‍

*Important Information
expand_circle_down

*Non-practicing doctors who are solely employed as a professor or in research or similar are not eligible for this program. Subject to credit approval. Program terms including available loan terms, maximum loan amount, loan-to-value, credit score minimums, reserve requirements, and student loan treatment vary by program, credit profile, and property type; not all borrowers will qualify for all terms. Student loan exclusion eligibility depends on repayment status and, for certain programs, current residency or clinical fellowship status. Other restrictions may apply. Terms and conditions subject to change without prior notice.