Up to 100% financing
Eligible borrowers may finance the full eligible home value without mortgage insurance. Closing costs, prepaid expenses, and required reserves still need to be accounted for.
Home / Doctor Loans
Doctor Loans
A demanding career. A home financing conversation that gets it.
What is a doctor or medical professional mortgage?
A medical professional mortgage is designed for eligible borrowers with specified professional credentials. Some programs offer different down-payment, mortgage-insurance or student-debt treatment from conventional financing. Eligible professions and requirements vary by lender. Compare the complete cost and verify income, credit, reserves and property requirements before relying on a particular option.
Quick answers
Open a question. Read the answer right here.
Does no mortgage insurance mean there are no other costs?
No. Interest, closing costs, taxes, homeowners insurance, and any applicable association charges still matter. We’ll compare the rate, APR, and cash needed with other eligible mortgage options.
Can I use a new employment contract?
Potentially. The employment type, start date, compensation, permitted contingencies, and reserves all need to meet the program requirements. A signed contract by itself is not an approval.
What should I have ready?
Your professional credentials, employment contract or income records, student loan statements, savings information, and a target home price are a useful starting point. Share sensitive documents only through the secure application process.
Is this always better than a conventional mortgage?
No. We’ll compare total costs, available cash, and the payment you are comfortable carrying. The right choice depends on your circumstances, not just the maximum financing offered.
Review career stage
Discuss residency, fellowship, established practice, or an upcoming role.
Look at student debt
Ask how a specific lender evaluates your documented student loan obligations.
Compare the terms
Review the down payment, rate, mortgage insurance, and total costs together.
Confirm availability
Eligible professions and program rules vary by lender and location.
Program details
A clearer picture of your options.
Loan amounts up to $2 million
At a 680 qualifying credit score, up to 100% financing is available on eligible loans up to $1.5 million. At 720, that limit may reach $2 million. Other underwriting requirements still apply.
Your primary home
For an eligible one-unit primary residence purchase or rate-and-term refinance. Fixed-rate and adjustable-rate options are available. This program does not permit secondary financing.
The program serves loan-to-value ratios from 90.01% to 100%. A separate tier allows up to $2 million at a 680 score with a maximum 95% loan-to-value ratio. Loan-to-value compares the mortgage amount with the eligible property value. Residency status and other requirements can limit financing.
Program details
More than one kind of medical career.
At least one borrower whose income is used to qualify must hold an eligible degree and professional designation. Active practice requirements apply, with paths for eligible medical residents, fellows, and interns.
Physicians and dentists
MD, DO, DDS, and DMD. Eligible physician specialties include ophthalmology and psychiatry.
Pharmacy, veterinary and podiatric care
PharmD, DVM or VMD, and DPM. Veterinarians are included in the medical professional program.
Advanced nursing
CRNAs with a DNAP or DNP, and nurse practitioners with an MSN or DNP. The specific credential matters.
Medical directors and professors with eligible credentials must have active clinical duties in their contract. We’ll confirm your professional and residency eligibility before you plan around a particular financing level.
Program details
Training, student loans, and your next role.
Starting a new position
A qualifying signed employment contract or offer letter may support projected income when employment begins no more than 150 days after the note date. It must identify your position, start date, and compensation covering at least 12 months. Only permitted contingencies are allowed. Additional reserves must cover housing expenses until work begins. Contractor arrangements have separate requirements.
Student loans need a closer look
Certain payments in deferment, forbearance, or a $0 income-based repayment plan may be excluded for borrowers in or entering residency or a medical clinical fellowship who qualify using that training income. Other student loans require a qualifying payment. Bring your repayment plan so we can review the treatment that applies.
Plan for cash after closing
For financing above 95% loan-to-value, minimum reserves are generally three months of housing expenses on loans up to $1.5 million and six months above that amount. At 95% or below, the corresponding minimums are zero and three months. Future income and other financed properties can require additional reserves. Eligible documented gifts may help.
Debt-to-income limits are generally 45% above 95% loan-to-value and up to 50% at 95% or below. Adjustable-rate and shorter fixed-rate options can have a stricter 45% limit. Your full application receives an individual underwriting review.
Program details
Let’s work through your questions.
Does no mortgage insurance mean there are no other costs?
No. Interest, closing costs, taxes, homeowners insurance, and any applicable association charges still matter. We’ll compare the rate, APR, and cash needed with other eligible mortgage options.
Can I use a new employment contract?
Potentially. The employment type, start date, compensation, permitted contingencies, and reserves all need to meet the program requirements. A signed contract by itself is not an approval.
What should I have ready?
Your professional credentials, employment contract or income records, student loan statements, savings information, and a target home price are a useful starting point. Share sensitive documents only through the secure application process.
Is this always better than a conventional mortgage?
No. We’ll compare total costs, available cash, and the payment you are comfortable carrying. The right choice depends on your circumstances, not just the maximum financing offered.
Program information reviewed September 14, 2026. Availability and terms may change. Eligibility depends on credit, income, assets, professional credentials, residency, property, and underwriting approval. Ask us for current pricing and the requirements for your situation.
Connections before mortgages
Big plans.
Small questions.
We’re here for both.
Tell us what’s on your mind. Buying, refinancing, or exploring your options starts with a conversation.
✓ Your goals first✓ Room for questions✓ A personal conversation
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