Not an MD? You can still quality!

Appreciation for education when buying a home.

Who Could Qualify for Medical Professional Loans?

The name “medical professional loan” might sound broad to you. It could leave you wondering, does my career qualify? The answer depends on the lender, but these programs are generally designed for licensed, degree-holding healthcare providers.

The eligible professional designations include:

  • Doctor of Medicine (MD)
  • Doctor of Osteopathic Medicine (DO)
  • Doctor of Dental Science (DDS) or Doctor of Dental Medicine (DMD), including Orthodontists and Prosthodontists
  • Nurse Anesthetist (CRNA)
  • Doctor of Podiatric Medicine (DPM)
  • Doctor of Pharmacy (PharmD) / Pharmacist
  • Optometrist (OD)
  • Physician Assistant (PA)
  • Psychologist
  • Nurse Midwife (APRN)
  • Nurse Practitioner (NP)
  • Doctor of Veterinary Medicine (DVM)

Benefits of a Medical Professional Mortgage Loan

Borrowers may be interested in a program like this for a range of reasons. For example, The Federal Savings Bank’s Medical Professional Portfolio Product includes features like:

  • Low or no down payment options. Eligible borrowers may be able to finance up to 100% of the purchase price on loan amounts up to $1.25 million, meaning it may be possible to purchase a home with little to no money down. For medical professionals who’ve spent years investing in their education rather than building savings, this can be a helpful feature.
  • Student loan debt handled differently. Student loan payments that are deferred for at least 12 months at the time of closing may not need to be included in your qualifying debt-to-income ratio.
  • Up to 6% in seller-paid closing costs. Buyers may be able to negotiate for the seller to cover up to 6% of closing costs and prepaids.
  • Available nationwide. The program is available for eligible borrowers in all 50 states, whether you’re settling into a new city after residency or planting roots closer to home.

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