Medical Professional Mortgage Program – The Doctors Loan

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:

• 100% financing (no down payment required)
• No monthly mortgage insurance
• Loan amounts up to $2,000,000
• Available for home purchases and rate-and-term refinances
• Primary residence / owner-occupied only
• 1-unit properties
• Minimum 680 credit score

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)

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.

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.

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.