Designed for Doctors. Built for Your Future.
You spent years investing in your education. Homeownership shouldn't have to wait.
At Swish-Financial (A Division of Midland Federal), our Physician Mortgage Program was specifically created for physicians and medical professionals whose financial profiles often don't fit traditional mortgage guidelines. Whether you're a resident, fellow, attending physician, dentist, pharmacist, or advanced practice provider, we understand that significant student loan balances and a limited employment history shouldn't stand in the way of purchasing your dream home.
Why Medical Professionals Choose Swish-Financial
✅ Up to 100% Financing Available
Purchase a home with little to no down payment.
Preserve cash for investments, relocation expenses, or emergency reserves.
✅ No Private Mortgage Insurance (PMI)
Keep your monthly payment lower and maximize affordability.
✅ Flexible Student Loan Treatment
Designed to accommodate large educational debt that often accompanies medical careers.
✅ Future Employment Contract Acceptance
Purchase and close on a home up to 150 days before your official start date.
✅ Jumbo Loan Options
Financing available up to $2.5 million for qualified borrowers.
✅ Fast, Competitive Pre-Approvals
Start with a soft credit review at no cost.
Upgrade to a fully underwritten approval that can strengthen your offer in competitive markets.
Tier 1 – Credit Score 720+
100% Financing up to $2,000,000
90% Financing up to $2,500,000
No PMI
Tier 2 – Credit Score 680–719
100% Financing up to $1,500,000
95% Financing up to $2,000,000
75% Financing up to $2,500,000
No PMI
Fixed-Rate Mortgages
10-Year Fixed
15-Year Fixed
20-Year Fixed
30-Year Fixed
Adjustable-Rate Mortgages (ARMs)
5-Year ARM
7-Year ARM
10-Year ARM
15-Year ARM
MD, DO, DDS, DMD, Resident, Fellows, DVM, CRNA, DNAP, DPM, Pharmacist
Physician-Friendly Underwriting:
Debt-to-Income ratios up to 50%
Low reserve requirements (0–6 months depending on profile)
Gift funds permitted
Asset depletion qualifying available
1099 and self-employed income considered
Non-occupant co-borrowers allowed on eligible transactions
More Property Choices
Finance:
Single-Family Homes
Townhomes
PUDs
Warrantable Condominiums
Select Non-Warrantable Condominiums
Modular Homes
1–2 Unit Properties
Long-Term Flexibility
No prepayment penalties
Mortgage recast options available
Available to U.S. Citizens, Permanent Residents, Non-Permanent Residents, and select Foreign Nationals
Beyond Physician Loans
They offer one of the industry's most comprehensive lending platforms.
Traditional Financing
Conventional
Jumbo
FHA
VA
USDA
Down Payment Assistance
Investment Property Financing
DSCR Loans
Second Homes
HELOCs
Home Equity Loans
Specialty & Non-QM Solutions
Bank Statement Loans
P&L Programs
Asset Utilization
Bridge Financing
ITIN Loans
Fix & Flip Financing
With over 20 years of mortgage experience, Richard specializes in helping physicians, dentists, pharmacists, residents, and fellows navigate home financing with confidence. From first consultation through closing, you'll receive personalized guidance tailored to your career stage and financial goals.
Ready to Explore Your Options?
Schedule a complimentary consultation and soft-credit pre-approval review to see how much home you may qualify for—with no obligation and no impact to your credit score.