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Loan Program

Doctor Program

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Is a doctor loan right for you?

We are now offering a 100% doctor loan with no PMI. This program is available for medical doctors including Dentists, Podiatrists, Ophthalmologists, and Veterinarians.

Mortgage Loan

Benefits of a doctor loan

  • 3/6, 5/6, 7/6, 10/6, and 15/6 ARMs
  • 15 and 30-year fixed
  • Maximum loan amount $2 Million
  • 100% LTV allowed for loan sizes up to $750,000
  • Owner-occupied 1-2 units only
  • No mortgage insurance
  • May qualify based on the employment contract
  • Minimum credit score 680 for the product, but 700+ for 100% LTV

Who applies for a doctor loan?

This program applies to primary residence home purchase and rate term refinance: 

  • 95% LTV for loan amounts between $750,000-$1,250,000
  • 90% LTV for loan amounts between $1,250,001-$2,000,000