Finance up to $2,000,000 with as little as zero down — no mortgage insurance, and student-loan rules designed for the way doctors actually start their careers. For qualified borrowers; terms depend on credit and income.
Most lenders treat student debt and a new attending salary as obstacles. This program treats your earning power as the asset it is.
Purchase a single-family home with financing up to 100% of the value — loan amounts up to $2,000,000. Keep your savings working instead of locking it into a large down payment.
Even with little or nothing down, this program is structured to avoid monthly mortgage insurance — a meaningful saving over the life of the loan compared to conventional low-down options.
Residents and fellows qualifying on residency income can often have student loans in deferment, forbearance, or income-based repayment treated favorably — so a large balance doesn't sink your debt-to-income ratio.
Starting a new position? We can often work from your signed employment contract, so you don't have to wait months of pay stubs before buying.
A spouse or family member can be added to strengthen the file, within program guidelines — helpful when one borrower carries the medical income.
16+ years and 50+ lender partners. We structure the file correctly the first time and tell you straight what you qualify for — no surprises at the closing table.
At least one borrower should hold a qualifying degree and be working — or training — in one of these fields. Residents, fellows, and interns in these professions are eligible too.
Medical Doctor (MD) and Doctor of Osteopathy (DO), including psychiatry and ophthalmology specialties.
Doctor of Dental Science or Surgery (DDS) and Doctor of Dental Medicine (DMD).
Doctor of Pharmacy (PharmD) and Doctor of Veterinary Medicine (DVM / VMD).
Doctor of Podiatric Medicine (DPM) and Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP).
In training toward one of the eligible degrees? You may qualify now — with the student-loan flexibility built for your stage.
If your designation isn't listed, reach out anyway — we'll confirm eligibility and walk you through the options.
A few quick questions and we'll reach out with the real numbers for your situation. No obligation, no pressure — just clarity.