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Doctor Home Loan Program

Helping You Move Forward


Whether you are a seasoned physician/dentist or you are just beginning residency, our Doctor Home Loan Program is designed for you.  This loan program addresses specific needs of physicians and dentists seeking home financing on their primary residence.

Not Just for M.D.s

The Doctor Loan Program is a residential mortgage loan developed specifically for medical residents, interns, and fellows. Additionally, those eligible to apply include licensed Medical Doctors (M.D.), Doctor of Dental Sciences (D.D.S.), Dental Surgeons specializing in oral and maxillofacial surgery (D.M.D.), Doctor of Osteopathic Medicine (D.O.).

Digital First

Simplify the process of uploading your documents and track your loan’s progress via the convenient Leaders loan portal. 

Minimum Cash Required

No down payment options are available up to $800,000 and 5% down up to $1,000,000. Cash-out refinance maximum loan-to-value of 80%. For qualified borrowers, standard closing costs may be paid by the lender for purchase transactions.

Reduced Monthly Payments

Private Mortgage Insurance (PMI) is not required, therefore reducing your monthly costs. 

Loan Term Choices

5-year, 10-year, 15-year, 20-year, and 30-year fixed-rate term options. Amortization up to 30 years.

Properties Allowed

The property must be occupied as the primary residence. One-unit, Single Family, PUD, Condos on a case-by-case assessment.

Special Considerations for Student Loan Debt

Student loan debt may be calculated using the current repayment plan, including income-based and graduated plans. Certain deferred student loan debt may be excluded.

Close Your Loan

Closing may occur up to 45 days before beginning employment.  

Locally Offered

In-House loans are decisioned and serviced locally.

Relationship Concierge Service

A Program Relationship Specialist will be assigned to you at your home loan closing to assist you with your retail banking and other special offers.
 


Contact Financial Champion Brandon Moore at our Thomsen Farms branch and schedule an in-branch or phone appointment to learn more about: