PrimeLending

PrimeLending – Medical Professionals Program1

A financing solution designed for medical professionals purchasing high value homes in
the $1.5M–$2M range who need maximum leverage while preserving liquidity. This
program is ideal for physicians and advanced clinicians who are relocating, beginning
new contracts, or managing student loans while entering luxury price points.

Your career path is specialized; your financing should be too. With flexible underwriting,
contract based qualifying, and options that consider student loan structures and early
career income patterns, PrimeLending supports medical professionals purchasing at the
top of their market.

We have been guiding people towards homeownership for over 30 years.

Appointments
Available after hours and on weekends.

Address: 655 Main Street, Suite 102 East Greenwich, RI 02818

Loan Officers

Toni Binghi (NMLS #1652502)

STATES:  FL
EMAIL:  [email protected]
PHONE:  914-420-1656

Terms

  • 100% financing up to $2,000,000 (No PMI)
  • Credit History must cover a minimum of 24+ months. Minimum one active tradeline; nontraditional credit accepted 2
  • Close up to 150 days before your employment start date
  • Seller concessions permitted; potential for true $0 at closing
  • Qualify using an employment contract (close before start date)
  • Ownership of multiple properties permitted
  • Options available for selfemployed medical professionals
  • Loan types: 30/25/20/15year fixed; 5/6, 7/6, and 10/6 Adjustable-Rate Mortgages (ARMs) (fully amortizing)

Professions

MD, DO, DDS, DMD, Resident, Fellows, DVM, CRNA, DNAP, DPM, Pharmacist, DNP

Strengths

  • 100% financing to the $2M level, ideal for buyers between $1.5M and $2M who want to preserve liquidity
  • Options available to exclude student loan payments from DTI when guidelines permit
  • Asset depletion allowable when eligible
  • Flexible qualifying including non occupant co borrowers
  • No prepayment penalties; recast options available
  • Well suited for relocating physicians and clinicians starting new positions

Renovation Loan Programs (Separate Program)

Renovation loans are available for buyers purchasing luxury homes requiring improvements. These programs use after improved value for qualifying and cannot be combined with the 100% medical program.

Renovation Highlights:

  • One loan with one monthly payment
  • Renovation work begins after closing; funds released as milestones are completed
  • Options include Conventional (Fannie Mae HomeStyle/EZ “C”), FHA 203(k), VA Renovation, Jumbo Renovation, and others
  • Ideal for properties where improved value is a key component of financing

Additional Mortgage Programs

  • Bridge3, renovation, and construction loans
  • Home Equity Lines of Credit3
  • Cash out refinancing4
  • Conventional, Jumbo, VA, FHA
  • Investment and Non QM programs including DSCR and bank statement options
    (Product availability varies by state and borrower profile.)3

Disclaimer

Product info as of 2/25/26, subject to change. PrimeLending is not affiliated with other mentioned companies.
1) Restrictions and limitations apply. Borrowers must hold a minimum of an M.D., D.O., D.D.S., DNP, DNAP or D.M.D. degree and have an active employment contract (or verification of terms of employment acceptance). MD, DO, DDS, DMD, MD, DO, PharmD, VMD, DPM, CRNA and medical residents, fellows, or interns with above mentioned degree are eligible. This program is not available for Chiropractors. Contact your PrimeLending loan officer for more details.
2) Borrower is required to have a credit score.
3) All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.
4) All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

All loans are subject to credit approval. Rates and fees are subject to change. ©2026 PrimeLending, a PlainsCapital Company (PrimeLending). (NMLS: 13649) Equal Housing Lender. Rhode Island Licensed Lender and Loan Broker, Mortgage Banker Lic. No. 20102678LL and Broker Lic No. 20102677LB v010224. PrimeLending is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in FL. V010918.