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 provide a high touch advisory approach, coordinating directly with your real estate agent, attorney, title, and insurance partners to help ensure a smooth and supported transaction.

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

Appointments
Available after hours and on weekends.

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)
  • Minimum one active tradeline; nontraditional credit with 24+ months accepted
  • 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 self‑employed medical professionals
  • Loan types: 30/25/20/15‑year fixed; 5/6, 7/6, and 10/6 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 and options to exclude departing residence payments when criteria are met
  • 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 (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

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

Disclaimer

Product info as of 2/25/26, subject to change. PrimeLending is not affiliated with other
mentioned companies.
1)All credit decisions for brokered products will be made by a third party. 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)All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.
3)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.