A Game-Changer for Doctors, Dentists, Pharmacists, CRNAs, and More

Medical professionals dedicate years of education, training, and hard work to their careers. Unfortunately, many enter the workforce carrying significant student loan debt, making homeownership feel out of reach.

That’s why we’re excited about a new Doctor Loan Program designed specifically for medical professionals. This program offers up to 100% financing with no private mortgage insurance (PMI), helping doctors and other healthcare professionals purchase or refinance a home with greater flexibility.

Key Program Highlights

✅ Up to 100% Financing Available

✅ No PMI Required

✅ Loan Amounts Up to $2,000,000

✅ Primary Residence Purchases and Rate & Term Refinances

✅ Flexible Student Loan Treatment for Qualified Residents and Fellows

✅ Fixed-Rate and ARM Options Available

For many borrowers, avoiding PMI alone can save hundreds of dollars each month while preserving cash reserves for other financial goals.

Who Qualifies?

At least one borrower must be an eligible medical professional, including:

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Dentist (DDS or DMD)
  • Ophthalmologist
  • Psychiatrist
  • Pharmacist (PharmD)
  • Veterinarian (DVM or VMD)
  • Podiatrist (DPM)
  • Certified Registered Nurse Anesthetist (CRNA with DNAP or DNP)
  • Medical Residents
  • Medical Fellows
  • Medical Interns

The medical professional must be the primary wage earner on the transaction.

Special Student Loan Benefits

One of the most attractive features of this program is its treatment of student loan debt.

For qualified residents and fellows:

  • Student loan payments may be excluded from debt-to-income calculations.
  • Current residency or fellowship income can be used for qualification.
  • Greater purchasing power may be available despite large student loan balances.

This can significantly improve eligibility for many early-career medical professionals.

Available Loan Options

Borrowers can choose from several financing options:

  • 15-Year Fixed
  • 30-Year Fixed
  • 5/6 ARM
  • 7/6 ARM
  • 10/6 ARM

This flexibility allows borrowers to select a loan structure that aligns with their financial goals and career plans.

Program Requirements

Credit Requirements

  • Minimum FICO Score: 680
  • Traditional FICO scoring required

Loan Amounts

  • Minimum Loan Amount: $100,000
  • Maximum Loan Amount: $2,000,000

Loan-to-Value

  • Minimum LTV: 90.01%
  • Maximum LTV: 100%

Debt-to-Income Limits

  • Up to 50% DTI for qualified transactions with 95% LTV or less
  • Up to 45% DTI for higher-LTV transactions and ARM products

Why This Matters

Many healthcare professionals have excellent earning potential but face challenges qualifying for traditional mortgage programs because of:

  • Large student loan balances
  • Limited savings after years of schooling
  • Recent career starts
  • Residency and fellowship income structures

This Doctor Loan Program helps bridge that gap by offering financing solutions tailored to the realities of a medical career.

Is a Doctor Loan Right for You?

If you’re a doctor, dentist, pharmacist, veterinarian, CRNA, resident, fellow, or another qualifying healthcare professional, this program may help you:

  • Buy a home with little to no down payment
  • Avoid monthly PMI payments
  • Preserve cash reserves
  • Potentially qualify despite significant student loan debt
  • Access financing designed specifically for medical professionals

Every situation is unique, and program guidelines apply. If you’re considering a home purchase or refinance, now may be the perfect time to explore whether a Doctor Loan is the right fit for your goals.

Ready to learn more? Let’s review your scenario and see how this program could help you achieve homeownership with greater flexibility and fewer barriers.