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Specialized mortgage loans for licensed medical professionals offering up to 100% financing with no mortgage insurance. Ideal for doctors, dentists, pharmacists, and other qualifying medical practitioners.
A medical professional loan is right for you if you are a licensed medical professional — such as an MD, DO, DDS, DMD, PharmD, DVM, DPM, or CRNA — and want to purchase a home with little or no down payment and no private mortgage insurance. Student loan debt and projected income may be considered favorably.
Min Credit Score
680+
Min Down Payment
0%
Max LTV
100%
Max DTI
50%
Loan Limits
Up to $2M (720+ FICO) or $1.5M (680+ FICO); 95% LTV up to $1.5M
PMI / MIP
No mortgage insurance required at any LTV
Occupancy
Primary residence only
Confirm your medical credentials — we'll verify your degree, license, or residency status to determine program eligibility.
We review your income (or projected income for residents), student debt, credit profile, and assets to determine your maximum purchase price.
Complete your application, submit documentation, and lock in your rate. We shop our lender network for the best doctor loan terms.
Finalize your loan documents, fund the mortgage, and get the keys — with zero or minimal cash out of pocket.
Explore other loan products that might be a good fit for your needs.
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.
Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.
Apply online in minutes or call us to speak with a loan advisor about your Doctor Loans options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.