Purchase loans
Medical Professional Home Loan
Specialized primary-residence financing for eligible physicians, dentists, residents, fellows, and other qualifying medical professionals.
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Medical Professional Home Loan at a glance
Up to 100% financing
Finance the full purchase price in qualifying scenarios.
No PMI
Private mortgage insurance is not required.
Training-stage eligible
Residents and fellows may qualify.
Student-loan flexibility
Student debt may be treated more flexibly for qualifying borrowers.
What is a Medical Professional Home Loan?
The Medical Professional Home Loan is built around the financial reality of a medical career: strong future earnings, often paired with significant student debt and limited savings early on.
For eligible professionals, it may allow full purchase-price financing without private mortgage insurance, and it can treat student debt more flexibly than standard programs.
01
Professional profile
02
Financial picture
03
Specialized financing
Who it may be for
Financing designed around the trajectory of a medical career.
01Physicians & dentists
Eligible practicing medical professionals.
02Residents & fellows
Training-stage professionals with strong future income.
03Significant student debt
Borrowers whose student loans complicate standard qualification.
04Liquidity preservers
Buyers who would rather keep cash than make a large down payment.
Example scenario
See how it could work
The borrower
A physician purchasing a $950,000 primary residence.
The structure
Up to 100% financing with no PMI.
The flexibility
Student-loan treatment may be more flexible than standard programs.
The result
A home purchase while preserving cash.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
Frequently asked questions
Ready to explore your options?
Build your scenario and see whether Medical Professional Home Loan or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.