Key advantages
Buy with little to no money down
Up to 100% financing
Zero down payment options available for qualifying borrowers with a 680+ FICO score.
Apply
Apply
The Doctor Loan
Home Loans for Medical Professionals
You take care of your patients, we'll take care of you!
Up to 100% financing
Up to 100% financing
Up to 100% financing
Up to 100% financing
Up to 100% financing
Up to 100% financing
Program Overview
Your income structure is complex. Your mortgage should be simple.
Credit Score
Qualify with a credit score as low as 680, lower than most conventional high-value loan programs require.
Eligible properties
Only primary residences are eligible; investment properties or rental properties are not included.
ARM / 15-yr DTI
The maximum allowable debt-to-income ratio is 45% for ARM and 15-year loan options.
Eligible professions
Open to MDs, DOs, dentists, pharmacists, optometrists, podiatrists, and other licensed medical professionals.
Employment flexibility
Financing available for employed, self-employed, and residents/fellows with a signed offer letter.
Borrow big for high-value homes
$2M loan limits
High loan amounts to match home values in the markets where physicians typically practice.
No MI required
No mortgage insurance, more savings
Skip private mortgage insurance even at high LTVs, for significant monthly cost savings.
Your term. Your timeline. Your career.
Flexible loan terms
Choose from 15, 20, 25, or 30-year fixed or hybrid ARM products to fit your career stage.
How It Works
Share your professional journey
Tell us your specialty, license status, and whether you're employed full-time or in training (residency, fellowship), in residency or have an offer letter. Your career stage shapes your loan structure.
We map your borrowing power
Based on your FICO tier and income trajectory, we identify which of the three loan tiers fits you best and how much home you can confidently afford.
Make offers without hesitation
With pre-approval in hand, you compete like a cash buyer. No contingencies are holding you back from the home you want.
Close on your timeline
We work around your schedule, including evenings and weekends, to close as fast as 15 days, whether you're mid-residency or already practicing.
Do’s & Don'ts
Do
Know your FICO tier
Understanding whether you're at 680 or 720+ helps you target the right loan amount and LTV before you start shopping.
Use your offer letter
Residents and fellows can close before their start date. Have your signed employment contract ready to maximize your qualification.
Leverage your equity potential
Even at 100% financing, your program is thoughtfully structured to help you build equity quickly as your income steadily grows.
Don't
Make large financial changes
Avoid opening new credit accounts, making large purchases, or changing jobs during the loan process. It can affect your DTI and FICO.
Overlook your DTI ratio
ARM and 15-year loans cap at 45% DTI. Know your ratio before selecting a loan type to avoid surprises during underwriting.
Ignore your student loans
Student loans are marked at 0.5% of your loan balance per month, even when in deferrment. Get on an income based repayment plan that's lower.
Is this program right for you?
Compare your options at a glance
Conventional 30yr
Jumbo
Medical Professional Loans
Min FICO Score
620+
680+
680+
Min Down Payment
3%
20%
0%
Max Loan Amount
Conforming limit
$5M
$2M
Mortgage Insurance
Required <20% down
Not required
Not required
Max Debt to Income
50%
45%
45%
Need Help?
Everything you need, in one place!
Recent Articles
Learn everything you need to know as a first-time homebuyer
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Frequently asked questions
You’ve got questions, we’ve got answers
Yes. A signed employment offer letter is accepted in place of current income, allowing you to qualify before your first paycheck.
No. PMI is not required under this program, even at high LTVs - a significant saving compared to conventional loans.
This program uses a favorable DTI calculation that accounts for the unique financial profile of medical professionals, rather than penalizing you at face value.
Absolutely. Many medical professionals purchasing their first home find this program ideal precisely because it removes the two biggest barriers first-time buyers face, the down payment and mortgage insurance.
