Up to 100% Financing | No Mortgage Insurance | Loan Amounts Up to $2 Million
I’m pleased to announce a new mortgage program designed specifically for medical professionals. This program recognizes the unique financial profile of doctors — including high student loan balances, strong earning potential, and career stability — and offers flexible financing that traditional loan programs often don’t.
Whether you’re early in your medical career or well established, this program is built to make homeownership more accessible without requiring a large down payment or private mortgage insurance.
Key Features of the Doctor Mortgage Program
This program offers several powerful benefits for eligible medical professionals, with financing tiered by credit score:
| Minimum Credit Score | Financing | Max Loan Amount |
|---|---|---|
| 720+ | 100% (no down payment) | up to $2,000,000 |
| 680–719 | 100% (no down payment) | up to $1,500,000 |
| 680–719 | 95% LTV | up to $2,000,000 |
In other words: with a 720+ credit score, 100% financing is available up to the full $2M. With a credit score between 680–719, 100% financing tops out at $1.5M — a 5% down payment (95% LTV) is required to reach $2M.
Debt-to-income (DTI) limits follow LTV: up to 45% DTI when LTV is greater than 95%, and up to 50% DTI when LTV is 95% or below.
- No monthly mortgage insurance
- Available for home purchases and rate-and-term refinances
- Primary residence / owner-occupied only
- 1-unit properties
These features are especially helpful for buyers who want to preserve cash, manage student loan debt strategically, or purchase in higher-cost housing markets, such as the greater Seattle-Bellevue area. Click here for a personal scenario this, or any mortgage program.
Who Is Eligible?
This program is available to a wide range of medical professionals, including:
- Medical Doctor (MD)
- Doctor of Osteopathy (DO)
- Doctor of Dental Surgery or Dental Science (DDS)
- Doctor of Dental Medicine (DMD)
- Doctor of Ophthalmology (MD or DO)
- Doctor of Pharmacy (PharmD)
- Doctor of Veterinary Medicine (DVM / VMD)
- Doctor of Podiatric Medicine (DPM)
- Certified Registered Nurse Anesthetist (CRNA with DNAP or DNP)
- Nurse Practitioner (NP)
- Physician Assistant / Associate (PA)
Residents, Fellows & Interns
Medical residents, fellows, and interns are also eligible with one of the qualifying degrees listed above, even if their income is expected to increase in the near future.
Read: NPs, CRNAs & PAs now qualify — program details, credit score tiers, and DTI limits
Why Doctor Loans Are Different
Traditional mortgage programs often treat large student loan balances as a major negative — even when the borrower has a high income and strong long-term earning potential.
Doctor mortgage programs are designed to account for:
- High student loan balances
- Career stability and predictable income growth
- Time-intensive careers that limit the ability to save for large down payments
The result is a program that supports doctors at all stages of their careers — without unnecessary hurdles.
Who This Program Is a Great Fit For
This program may be ideal if you are:
- A medical professional looking to buy a home with little or no down payment
- Purchasing in a higher-cost market
- Early in your career with strong income but limited cash reserves
- Looking to avoid monthly mortgage insurance
- Refinancing an existing loan into a doctor-specific program (rate-and-term only)
A Few Important Notes
- This program is for primary residences only
- Properties must be 1-unit
- Credit and income qualifications apply
- Loan terms, rates, and availability may vary and are subject to change
A personalized review is always the best way to determine fit.
FAQ: Doctor Mortgage Program
Do doctor loans require a down payment?
Not necessarily. With a 720+ credit score, 100% financing (no down payment) is available up to $2,000,000. With a credit score between 680–719, 100% financing is available up to $1,500,000, or a 5% down payment (95% LTV) is required to reach the full $2,000,000 loan amount.
Is mortgage insurance required?
No. This program does not require monthly mortgage insurance, regardless of down payment.
Can this program be used for a refinance?
Yes, but only for rate-and-term refinances — cash-out refinancing is not available under this program.
What DTI limits apply?
Debt-to-income limits follow loan-to-value: up to 45% DTI when LTV is greater than 95%, and up to 50% DTI when LTV is 95% or below.
Ready to Explore Your Options?
If you’re a medical professional considering a home purchase or refinance, I’d be happy to walk you through how this doctor mortgage program works and whether it aligns with your financial goals.
Feel free to reach out for a confidential, no-pressure conversation — I’m here to help you make an informed decision.
Updated July 2026
About Rhonda Porter
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