Home Loans for Medical Professionals
Not only for MDs: dentists, pharmacists, veterinarians, podiatrists and nurse anesthetists qualify too.
Apply NowOne program, many medical careers
The physician mortgage program is open to borrowers who hold an eligible clinical degree and are actively practicing, in fellowship or beginning residency. That includes far more than medical doctors:
- MD — Medical Doctor (all specialties)
- DO — Doctor of Osteopathic Medicine
- DDS / DMD — Dental Surgery & Medicine
- PharmD — Doctor of Pharmacy
- DVM / VMD — Doctor of Veterinary Medicine
- DPM — Doctor of Podiatric Medicine
- CRNA — Nurse Anesthetist (DNAP / DNP)
- Residents and fellows — interns, fellows and trainees
Physician loan matrix
Up to 100% financing
0% down payment (100% LTV) — no private mortgage insurance at any down payment.
$100,000 – $1,500,000
680 minimum FICO (1 score) · 3 months PITIA reserves above 95% LTV · 3% max seller concessions.
$1,500,001 – $2,000,000
720 minimum FICO (1 score) · 6 months PITIA reserves above 95% LTV · 3% max seller concessions.
Terms
15, 20, 25 and 30-year fixed · 5/6, 7/6 and 10/6 ARMs.
What every eligible professional gets
- 0% down payment and no PMI
- Loans up to $2,000,000
- Eligible student loans excluded from DTI or documented from servicer statements
- Closing up to 60 days before a new start date with a signed contract
- 1099 and contractor income from your contract — 1099 and locum tenens physician loans
How to get your doctor home loan
Frequently Asked Questions
Can dentists get a doctor home loan?
Yes — DDS and DMD degrees are eligible.
Do pharmacists and veterinarians qualify?
Yes — PharmD, DVM and VMD degrees are eligible.
Are nurse anesthetists eligible?
Yes — CRNAs (DNAP / DNP) are eligible.
Is the program only for doctors with an attending job?
No — residents, fellows, interns and trainees qualify too.
In a medical profession? See what you qualify for.
Apply NowGeneration Mortgage Associates, LLC · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. Program guidelines can change; all loans are subject to credit approval and underwriting.