Medical Professional Program

As a medical professional, you work hard to keep our community healthy and safe — and that deserves a big “thank you.”

Our doctor loans make it easier for medical professionals to achieve their homeownership dreams by offering no-down-payment mortgage options, with no mortgage insurance requirement.

program details

  • No- and low-down-payment options for loan amounts up to $2 million
  • Loan options with no mortgage insurance
  • Available for primary residence, one- or two-unit purchases
  • Refinance options also available
  • Employment may begin up to 60 days after close (or longer in some cases) with a non-contingent employment contract — ask your loan originator for details
  • Student loan debt may be excluded from debt-to-income calculation — ask your loan originator for details
  • Do not have to meet several contingencies that are typically required for doctor loans prior to approval/closing (drug testing, physical, malpractice insurance, etc.)   

*Geographical restrictions may apply. Eligible individuals include medical doctors who have a minimum of a M.D., D.O., D.D.S., or D.M.D. degree and an employment contract (or verification of terms of employment acceptance). Medical Doctors (including dentists, podiatrists, and ophthalmologists) are allowed. Veterinarians are allowed.

All loan requests are subject to credit approval as well as specific loan program requirements and guidelines. With adjustable-rate mortgages, the interest rate is variable and may increase or decrease after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment.