Mortgage Center, partnered with Lake Trust Credit Union, Zeal Credit Union, Advia Credit Union, Christian Financial Credit Union, OUR Credit Union, and Community Focus Federal Credit Union, has been helping individuals and families achieve homeownership for more than 35 years. As a credit union-owned mortgage company, we combine competitive financing options with personalized guidance from experienced mortgage professionals.
Our Physician Mortgage Loan Program is designed for eligible medical professionals, including physicians, dentists, residents, fellows, nurses, pharmacists, and other qualifying healthcare professionals.
Program highlights may include:
• Financing up to 100% for qualified borrowers
• No private mortgage insurance (PMI) on eligible loans
• Loan amounts from $40,000 to $2 million
• Fixed-rate and adjustable-rate mortgage options
• Financing for eligible single-family homes, warrantable condominiums, and PUDs
• Personalized service from application through closing
Eligibility, loan limits, credit requirements, property restrictions, and available terms are subject to program guidelines and approval.
Terms: 10/15/20/30-year fixed; 5/1 and 7/1 ARM (30-year amortization).Property: 1-unit SFR, FNMA-warrantable condos/PUDs. No manufactured, co-ops, leaseholds. Condos 97/97/97 with full review; Florida follows FNMA condo rules, No PMI / 100% LTV: 700+ FICO, $40k–$2.0M.If credit score is below 700 there is PMI and down payment can be required.
No maximum years-since-training on licensed professionals. The only published timing rule: graduate student members must have at least six months remaining in residency or training. Residents may use an educational license. MD/DO/DDS and the full listed roster (including RN, NP, PA, CRNA, PharmD, DC, DPT, DVM, RPH, PhD psychologist) have no post-training clock in this matrix. Cash-out, refinance, and second homes are out of product—not out of practice time.
MD, DO, DDS, DMD, Resident, Fellows, PA, NP, DVM, RN, CRNA, DNAP, DC, OD, DPM, APRN, CNM, Pharmacist
Portfolio exception for deferred student loans; 100% / no PMI at 700+ to $2M; FICO from 620; license list far wider than bank MD/DO programs; jumbo DTI to 50% through $1.65M with a printed reserve grid; available at every partner CU; AUS still run so conforming pieces can follow agency findings except where this matrix overrides. Residents may use an educational license. MD/DO/DDS and the full listed roster (including NURSES, NP, PA, CRNA, PharmD, DC, DPT, DVM, RPH, PhD psychologist)
The Doctor Loan and the Community Champion Loan are available only through participating credit unions. Membership in a participating credit union may be required. All loans are subject to credit approval, underwriting, membership eligibility, and property eligibility. This is not a commitment to lend and is not an offer of a specific interest rate, APR, or monthly payment. Terms, loan-to-value limits, and eligibility vary by product, credit profile, occupancy, loan amount, and property type and may change without notice. Non-occupant co-borrowers are not eligible on either product. Manufactured homes, co-ops, and leaseholds are not eligible. Mortgage Center LLC, NMLS #282701, is an Equal Housing Lender.
Doctor Loan
Available for the purchase of an owner-occupied, one-unit primary residence only. Refinance and cash-out are not available on this product. Eligible members include those who hold one of the following credentials, or another medical-field doctorate/PhD: MD, DO, DDS, DMD, DPM, OD, DC, PharmD, DVM, DPT, CRNA, PA, NP, RN, APRN/nurse midwife, RPH, PhD psychologist, or a medical resident on an educational license. Graduate student members must have at least six months remaining in residency or training. Financing up to 100% LTV with no PMI is available only to qualifying borrowers and requires a minimum representative credit score of 700, subject to published loan-amount caps. Subordinate financing is not permitted. Deferred student-loan payments may be excluded from DTI only with acceptable documentation showing deferment beyond the first payment date or for at least 12 months, consistent with applicable PMI guidelines.
Community Champion Loan
Available for the purchase or limited cash-out refinance of an owner-occupied primary residence. Eligible members include those employed by a public or private educational institution or a medical or healthcare organization, first responders, and active-duty or former military personnel. Maximum LTV/CLTV/HCLTV is 99% on 1–4 unit single-family homes and 90% on attached warrantable condominiums (Florida condominiums follow Fannie Mae condo requirements). Private mortgage insurance is not required. On a purchase, the borrower must contribute at least 1% of the purchase price from their own funds; remaining funds may come from an acceptable gift or other eligible source. A representative credit score of 700 or higher is underwritten to AUS DTI findings. Scores of 680–699 are limited to a maximum DTI of 41%. Documented student loans deferred at least past the first payment date may be excluded from DTI. Loan amounts range from $40,000 to $832,750 or the applicable conforming limit.
