A Home Loan That Understands Your Medical Career.
You’ve invested in your profession. Explore home financing that considers the realities of medical training, employment transitions, and building your career.
Keep your home purchase aligned with your career.
Preserve available cash
Low-down-payment options may help eligible borrowers retain funds for relocation, reserves, and other priorities. Closing costs and reserve requirements still apply.
Explore financing without mortgage insurance
Eligible options do not require mortgage insurance. We’ll review your interest rate, monthly payment, and closing costs together so you understand how the loan fits your goals.
Review a new employment contract
Some options allow qualification using a signed employment contract or offer letter before the job begins, subject to timing, compensation, and reserve requirements.
Designed for eligible medical professions.
Depending on the option and required credentials, eligible professions may include:
- Physicians: MD or DO
- Dentists: DDS or DMD
- Pharmacists: PharmD
- Veterinarians: DVM or VMD
- Podiatrists: DPM
- Eligible nurse practitioners and certified registered nurse anesthetists
- Physician assistants/associates and optometrists under select options
- Eligible medical residents and fellows
Eligibility depends on your specific designation, degree, professional role, and employment. A healthcare job title alone does not establish eligibility. We confirm the credential requirements before you apply.
Starting a new role? Let’s review the timing.
A signed employment agreement may support qualification under select options. We review the start date, guaranteed compensation, remaining contingencies, and funds available until employment begins.
Student loans need an individual review.
Certain residents or fellows may qualify for special treatment of eligible deferred student-loan payments. This is not a blanket exclusion for every medical professional or every student loan. Provide your loan statements and deferment details so we can confirm the applicable calculation.
A focused checklist for your career and finances.
- Proof of the eligible degree and professional credentials
- Current paystubs and employment verification, or a signed employment contract or offer letter
- Tax returns and business documentation when needed for self-employed or practice-owner income
- Complete recent account statements for closing funds and reserves
- Student-loan statements and any applicable deferment records
- Credit authorization, housing history, and property or purchase-contract details
Your exact checklist depends on the selected option. I’ll provide secure loan-portal instructions for financial documents.
Choose the financing that fits your full picture.
Is this only for physicians?
No. Select programs include other eligible medical professions. The precise degree and designation requirements vary.
Can residents and fellows apply?
Potentially, with eligible credentials and qualifying employment or training income. We review your graduation status, contract, and intended closing date.
Can I buy a rental property or second home?
The options covered here are for an eligible one-unit primary residence. We can review other programs for additional property types.
Are refinance options available?
Eligible rate-and-term refinances may be available. These medical professional options do not include cash-out refinancing.
Are fixed and adjustable rates available?
Both may be available. An adjustable-rate mortgage can change after its initial fixed period, affecting your payment. We compare the structure with your expected time in the home.
Is a medical professional loan always the best choice?
No. We compare available alternatives, including conventional financing, before recommending a path. Professional eligibility does not guarantee approval or the lowest cost.
Make your next move with a clear financing plan.
Share your profession, career stage, and homeownership goal. We’ll review the options and documentation together.