There is a bit of seasonality to physician financial issues, but nowhere is this more evident than with home-buying in the Spring.
Each of our recommended mortgage lenders give us specific information about each of their physician mortgage products. As you can see, there is quite a bit of variability from one to the next, so if a physician mortgage is something you want or need to use, then you'll need to do a little bit of work to see which is the best option for you. Remember that most lenders do not lend in every state, but there are multiple lenders for each state, so your first screening should be “who lends in the state I'm buying in?” So, click on the map below first to get an idea of what is available to you before proceeding with information about individual lenders.
Pick Your State:
The questions we ask our lenders are:
- What are the terms of your physician mortgage product?
- What types of professionals qualify for your program?
- What do you see as your doctor mortgage product's strengths over its competitors?
Remember, a doctor mortgage is a mortgage that doesn't charge you PMI despite putting down less than 20%.
The Best of Physician Mortgage Lenders and the Loans They Offer
OriginPoint *
Loan Officers:
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee.
Compass, its affiliated brokerages, and OriginPoint, LLC share common ownership, and because of this relationship, the Compass-affiliated brokerage may receive financial and other benefits. You are not required to use OriginPoint, LLC as a condition of purchase or sale of any real estate. Restrictions may apply. Contact OriginPoint for current rates and for more information.
Three Point Mortgage *
Loan Officers:
All loans are subject to credit and underwriting approval. Not all borrowers will meet the requirements necessary to qualify. Information, rates and terms are subject to change based on market conditions, borrower eligibility and without notice. Any offer is subject to verification of borrower qualifications, property evaluations, income verification and credit approval. This is not a commitment to lend or extend credit. Certain restrictions may apply, call for details. www.nmlsconsumeraccess.org. Equal Housing Opportunity. Regulated by the Colorado Department of Real Estate.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT WEBSITE AT WWW.SML.TEXAS.GOV.
Amplify Credit Union *
Loan Officers:
All loans subject to credit and property approval. Amplify membership required. 
NMLS #530487
Fairwinds Credit Union *
Loan Officers:
1. 97% Financing is available for first-time homebuyers only
FAIRWINDS NMLS #715408
Primis Bank *
Loan Officers:
Phone: 615-569-5713
Primis Mortgage Company is a subsidiary of Primis Bank, Member FDIC. Primis Mortgage NMLS #1894879. Equal Housing Lender. All loans are subject to credit approval, underwriting approval, program guidelines, and property approval. Terms, conditions, eligibility requirements, loan amounts, and program availability are subject to change without notice. This is not a commitment to lend. Physician loan program availability may vary by state, loan amount, occupancy type, borrower qualifications, and other factors. Not all applicants will qualify. Additional restrictions may apply.
Midland Federal Savings
Loan Officers:
Phone: 925-639-5347
Bank of Oklahoma *
Loan Officers:
BOK Financial® are trademarks of BOKF, NA. ©2024 BOKF, NA. Programs, rates, terms and conditions are subject to change without notice. Other terms and conditions apply. All loans are subject to credit approval.
GTE Financial
Loan Officers:
Fairway Independent Mortgage Corporation *
Loan Officers:
*Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. Copyright©2022 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. Fairway is not affiliated with any government agencies. AZ License #BK-0904162; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License No 41DBO-78367. Licensed by the Department of Financial Protection and Innovation under the California Financing Law, NMLS #2289. Loans made or arranged pursuant to a California Residential Mortgage Lending Act License; Georgia Residential Mortgage Licensee #21158; For licensing information, go to www.nmlsconsumeraccess.org; MA Mortgage Broker and Lender License #MC2289. MA Loan Originator License #MLO19775; Licensed Nevada Mortgage Lender; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker-NYS Department of Financial Services; Rhode Island Licensed Broker & Lender; Fairway Independent Mortgage Corporation NMLS ID #2289 (www.nmlsconsumeraccess.org).
Rate *
Loan Officers:
Phone: Text: 408-393-0004 / Call: 650-362-8677 (650-DOCTORS)
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Guaranteed Rate, Inc. D/B/A Rate; NMLS #2611; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply.
My City Home Loans *
Loan Officers:
FOR INFORMATIONAL PURPOSES ONLY – This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to underwriting approval. Terms, conditions, and restrictions are subject to change based on an applicant’s eligibility and market conditions. My City Home Loans, Inc offers Equal Housing Opportunity NMLS#2468515 (www.nmlsconsumeraccess.org) Privacy policy: https://www.mycityhl.com/privacy-policy State License Page: https://www.mycityhl.com/discliamers
Central Bank *
Loan Officers:
Phone: 317-446-0904
Owner occupied, single-family dwellings only. Purchase of primary residence or rate-term refinance. 1Offered to residents or fellows earning at least $45,000 per year. All other eligible professions require earnings of at least $90,000 per year. This is not a commitment to lend or extend credit. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. All rates, programs and fees are subject to underwriting guidelines and are subject to change without notice. Other restrictions may apply. See bank for details. The Central Trust Bank NMLS #407985 MEMBER FDIC 238 Madison St, Jefferson City, MO 65101. Copyright Central Bancompany. All rights reserved. Equal Housing Lender.
Cornerstone Home Lending *
Loan Officers:
Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC | NMLS #2258
Movement Mortgage *
Loan Officers:
On Path Credit Union *
Loan Officers:
NMLS#401089. All loans subject to qualification, required documentation and credit approval. Certain exclusions may apply. Loan terms and availability subject to change. We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Regions Bank *
Loan Officers:
Phone: 630-843-1302
Member FDIC © 2026 Regions Bank. NMLS# 174490. All loans subject to qualification, required documentation and credit approval. Certain exclusions may apply. Loan terms and availability subject to change. | Regions and the Regions logo are registered trademarks of Regions Bank. The LifeGreen color is
a trademark of Regions Bank.
Alliance Catholic Credit Union *
Loan Officers:
Rates may vary and payment may increase after consummation. APR=Annual Percentage Rate. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of Alliance Catholic Credit Union (28800 Orchard Lake Rd., Farmington Hills, MI 48334 | (248) 519.4812 | NMLS ID: 401254). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.
Guild Mortgage *
Loan Officers:
First Western Trust
Loan Officers:
Phone: 210-712-2562
BCU *
Loan Officers:
Phone: OFFICE - 224-207-2603/ CELL– 916-601-8782
Disclaimer:
Federally insured by NCUA. We Do Business in Accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act
Atlantic Union Bank *
Loan Officers:
Phone: 615-484-6690
*Atlantic Union Bank NMLS #551889. This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approvals. Terms, rates, data, programs, information and conditions are subject to change without notice. Specific program restrictions may apply so please consult your dedicated Mortgage Loan Officer for complete details. Owner-occupied residences and second homes only (single family homes, Fannie/Freddie warrantable condos and townhomes). Borrower(s) may only have two (2) Medical Professionals Program serviced by Atlantic Union Bank at any time. Not all loans or products are available in all states.
United Bank – Mortgage *
Loan Officers:
Phone: 919-480-2075
United Bank | NMLS# 522399 (www.nmlsconsumeraccess.org) | Equal Housing Lender | Member FDIC. ADVERTISING NOTICE – NOT A COMMITMENT TO LEND – SUBJECT TO PROGRAM AVAILABILITY. This is not a commitment to lend. All loan applications are subject to credit and property approval. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required. To be eligible, buyer must meet minimum down payment, underwriting, and program guidelines.
United Bankshares – Mortgage *
Loan Officers:
United Bank DBA United Bankshares. United Bank | NMLS# 522399 (www.nmlsconsumeraccess.org) | Equal Housing Lender | Member FDIC. ADVERTISING NOTICE – NOT A COMMITMENT TO LEND – SUBJECT TO PROGRAM AVAILABILITY. This is not a commitment to lend. All loan applications are subject to credit and property approval. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required. To be eligible, buyer must meet minimum down payment, underwriting, and program guidelines.
Guaranteed Rate Affinity *
Loan Officers:
Phone: 612-730-8282
Applicant subject to credit and underwriting approval. Not all applicants will be approved
for financing. Receipt of application does not represent an approval for financing or interest
rate guarantee. Refinancing your mortgage may increase costs over the term of your loan.
Restrictions may apply.
Guaranteed Rate AƯinity, LLC is a subsidiary of Guaranteed Rate, Inc.; NMLS #1598647; For
licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions
may apply.
AMC Mortgage *
Loan Officers:
Programs, rates, terms and conditions are subject to change without notice. Other terms and conditions apply. All loans are subject to credit and collateral approval.
Revolution Mortgage *
Loan Officers:
Equal Housing Lender. Rates and Programs can change without notice. 
Horizon Bank *
Loan Officers:
Phone: Office - 517-816-4132/Cell - 517-256-5364
Hancock Whitney Bank *
Loan Officers:
Phone: 817-925-9393
1Adjustable-Rate Mortgage (ARM) products generally feature lower rates and payments early in the loan term, with rising rates and payments over the life of the loan. Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply. Bank NMLS# 45478
Extraco Mortgage
Loan Officers:
Novus Home Mortgage *
Loan Officers:
Phone: 571-200-6180
Subject to credit approval. Terms and conditions may apply. VA is subject to VA eligibility requirement. Property insurance is required for all loans secured by property.
Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065 | All Rights Reserved | novushomemortgage.com
Genisys Credit Union *
Loan Officers:
Phone: 231-463-6700
We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act
PrimeLending *
Loan Officers:
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.
Climate First Bank *
Loan Officers:
All loans subjected to credit approval. Some restrictions apply. Subject to change without notice
Homestead Funding Corp. *
Loan Officers:
Company NMLS# 3232. Information effective 1/19/24. Certain restrictions apply. The program is not available in all states per product guidelines, contact your Loan Originator for details. Guidelines and product availability are subject to change. Primary residence only. Purchase and Rate/Term refinance only. * Max. DTI= 45% Student loan excluded with documentation. **At least one occupying borrower must hold a valid license and be actively engaged within one of the eligible professional fields. *** Minimum of 3 trade lines for 12 months.
BOK Financial Mortgage *
Loan Officers:
Phone: 972-372-5244 (work) 903-714-2012 (cell)
BOK Financial® are trademarks of BOKF, NA. ©2024 BOKF, NA. Programs, rates, terms and conditions are subject to change without notice. Other terms and conditions apply. All loans are subject to credit approval.
Belay Bank *
Loan Officers:
My NMLS #623814 , First Bank NMLS # 551928.
Flagstar Bank
Loan Officers:
Phone: 925-595-5863
Phone: 917-304-1817
Phone: 925-354-3636
Phone: 248-935-3591
Phone: 803-231-8441
Liberty Bank *
Loan Officers:
| NMLS #459028 | Loans subject to credit and underwriting approval |
Clarity Home Lending *
Loan Officers:
NMLS# 621901
Bank of Texas *
Loan Officers:
Phone: 972-372-5244 (work) 903-714-2012 (cell)
Bank of Texas and BOK Financial® are trademarks of BOKF, NA. Member FDIC. Equal Housing Lender. ©2024 BOKF, NA. Programs, rates, terms and conditions are subject to change without notice. Other terms and conditions apply. All loans are subject to credit approval.
Together Credit Union *
Loan Officers:
Rates and Programs can change anytime without notice.
Susser Bank *
Loan Officers:
Mortgage loans are subject to credit approval and property eligibility. Products, rates, terms, conditions, and availability are subject to change without notice and may vary based on credit qualifications, loan amount, loan-to-value, and property type. This advertisement is not a commitment to lend.
Civista Bank
Loan Officers:
Alliant Credit Union *
Loan Officers:
Phone: 630-240-2203
Phone: 781-640-6798
Phone: 630-334-6849
Phone: 630-632-7241
Phone: 586-871-8002
Alliant Credit Union NMLS#: 197185.
Rates, terms, and conditions are subject to change. The 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6 month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30 day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% life time cap.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
Mortgages available in all states except Maryland. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change and are subject to credit and collateral approval.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
DFCU Financial *
Loan Officers:
The Cash Back Disclosure:
While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.
First Independence Bank *
Loan Officers:
Phone: 248-854-1274
All loans subject to borrower qualifications. Rates subject to market.
Wintrust Mortgage *
Loan Officers:
Phone: 916-302-6408
Bell Bank Mortgage
Loan Officers:
Phone: 651-248-1936
CrossCountry Mortgage *
Loan Officers:
Phone: 715-292-0760
Phone: 617-429-2059
PNC Bank *
Loan Officers:
Phone: 512-529-7846
©2023 The PNC Financial Services Group, Inc. All rights reserved.
PNC Bank, National Association.
Liberty Federal Credit Union *
Loan Officers:
Phone: 615-970-7973
Loans are subject to credit review and approval. Closing costs may apply. Liberty FCU mortgage lending product availability may vary based on property location. A sample principal and interest payment on a (7)-year $500,000 adjustable-rate loan amount with a 6.00% interest rate (6.147% APR) is $2997.75 Taxes and insurance are not included; the actual payment obligation will be greater. Actual interest rate may vary based on credit history. Additional rates and programs available. Visit us online for current rate information. Contact a Liberty FCU mortgage loan officer for more details.
1 Rate Match Guarantee may be available for new purchases and refinanced first mortgage loans of primary residences with conventional conforming financing. Certain product exclusions may apply. Loan Estimate from competing lender must be dated and received within three calendar days prior to locking your interest rate at Liberty FCU. The terms of the competing loan must be identical to Liberty FCU’s loan. If the loan does not close within the commitment period, the rate match may be voided. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to government loans, including FHA, USDA, and VA financing. Not valid in combination with 1/8% rate discount. Product offerings may vary by state or region.
2 Gift card offer is available on financing of purchase or construction loans for primary residences only. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. Purchase or construction loan amounts of $150,000 or greater will receive a $500 gift card. Not valid in combination with any other offer.
3 Discount available on conventional conforming financing of purchases for primary residences only. Offer available for new primary mortgage loans and mortgage loans already established at Liberty FCU when refinanced with at least $10,000 new money. Closing costs may apply. Liberty FCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply.
4 Available to residents, fellowship, newly established, or established physicians with MD, DO, DDS, DMD, OD, or DP credentials. Rates listed are specific to the Physician Loan mortgage program. Standard mortgage rates may vary.
First Merchants Bank *
Loan Officers:
Phone: 614-581-2727
Fifth Third *
Loan Officers:
Phone: 312-257-2440
Phone: 512-632-1731
U.S. Bank *
Loan Officers:
Phone: Office- 916-498-3402 / Cell- 916-837-4531
UMB Bank
Loan Officers:
Phone: 636-207-2015
Citizens Bank
Loan Officers:
Phone:
First Federal Lakewood *
Loan Officers:
NMLS #583593
Northwest Bank *
Loan Officers:
Phone: 814-404-8188
*For qualifying credit scores. Eligibility requirements must be met. Designed for MD, DO, DDS, DMD, or DPM designations. Valid on 1 unit primary residences only. Subject to program’s credit and underwriting approval, including debt to income requirements, and property appraisal. Escrow required. Payments into an escrow account may vary upon analysis. See bank for details. Other rates and terms are available. Minimum credit score required to qualify for program is 720 FICO®. NMLS# 419814. Only deposit products offered by Northwest Bank are Member FDIC.
Northwest Bank, a subsidiary of Northwest Bancshares, Inc., has operating units that use the Northwest Bank owned trade, logo and/or services “Northwest Advisors,” and “Northwest Insurance Services” to provide investment and wealth management, insurance services and employee benefit plans. Trust, fiduciary and retirement services are offered through Northwest Bank’s Trust Department. Investment and Insurance products:(I)are not deposits or other obligations of, nor are they guaranteed by,Northwest Bank or its operating units;(II)are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States or by Northwest Bank or its operating units; and(III)are subject to investment risks ,including the possible loss of value Rev. 6/25/2019
Frandsen Bank & Trust *
Loan Officers:
TD Bank *
Loan Officers:
Phone: 781-367-6808
Rates and programs can change anytime without notice.
Washington Trust Mortgage Company *
Loan Officers:
Washington Trust Mortgage Company: Equal Housing Lender; NMLS #901927; MA Mortgage Broker License #MC901927, MA Mortgage Lender License #MC901927, RI Lender License #20122863LL, RI Loan Broker License #20122864LB, NH Mortgage Banker License #901927MB; All loans subject to credit and underwriting approval. Minimum FICO score required.
Happy Mortgage a Division of Centennial Bank *
Loan Officers:
All products herein are subject to credit and property approval. Program terms & Conditions, including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your final loan amount and applicable finance charges. Not all products are available in all states or for all amounts: consult your mortgage loan originator for additional details. There are no restrictions to the length of time since the medical professional has completed their residency. All loans subject to credit and property approval. *Restrictions apply, consult your mortgage loan originator for additional details.
First Horizon
Loan Officers:
Phone: 865-548-7313
Consumers Credit Union
Loan Officers:
Phone: cell 616-446-2567, office 616-208-1304
City National Bank *
Loan Officers:
Loans and lines of credit are subject to credit approval and program requirements. For ophthalmologist, please refer to the doctor loan program for more information. Fees and restrictions apply. Terms and conditions subject to change. The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible. Please consult your tax advisor. Under professional loan program, the max loan to value on the second home is 89.49%. Depending on the loan program, qualified borrowers are either not required to pay mortgage insurance or mortgage insurance is paid by the lender. Lender NMLS#412469
Bank First
Loan Officers:
Phone: office 920-469-3923 cell 920-246-3255
Truist
Loan Officers:
Phone: 212 933-9900
Phone: 678-458-5901
Phone: 866-810-4404
Premier Realty and Lending
Loan Officers:
Physician Group at Neo Home Loans
Loan Officers:
Phone: 855-260-9932
KeyBank *
Loan Officers:
Phone: 877-539-5792
Phone: 877-539-5792
NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance is required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.
Only available to actively practicing interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Additional conditions and restrictions apply. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed. KeyBank extends credit secured by residential real estate without regard to race, color, religion, national origin, sex, handicap, or familial status. NMLS #399797
©2026 KeyCorp®. All rights reserved. Equal Housing Lender. NMLS #399797
Lake Michigan Credit Union *
Loan Officers:
*For well-qualified borrowers. The interest on the portion of the loan that exceeds the value of the dwelling is not tax-deductible. Please consult your tax advisor. To be eligible for the Doctor/Dentist program, the Doctor/Dentist must be in a residency program, have completed a residency program, or be an established Doctor/Dentist. Doctors/Dentists must also establish an automated payroll deposit with LMCU to be eligible. Loan to value (LTV) ratios up to 100% with loan amounts up to $1,250,000; 95% LTV up to $1,500,000; 90% LTV up to $1,750,000; 85% LTV for loan amounts up to $2,000,000; and 70% LTV up to $2,500,000.**For well-qualified borrowers. $5 membership required. LMCU NMLS # 442967
Green State Mortgage *
Loan Officers:
Phone: 630-788-4048
Phone: 312-379-8881
Green State Mortgage – A division of Green State Credit Union
First Citizens Bank
Loan Officers:
Phone: 864-630-0921
First National Bank *
Loan Officers:
Speak with a First National Bank Mortgage Loan Officer for further details. This is not an offer of credit or a commitment to lend. All loans are subject to credit and property approval. Rates, closing costs and fees are subject to change without notice.
First Community Mortgage *
Loan Officers:
Phone: 815-405-3617
Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria. This loan product is offered by First Community Mortgage and administered through a broker relationship. For licensing information, go to: www.nmlsconsumeraccess.org.
*This product feature is available in limited states. Ask your Loan Originator for
details.
4305 N. Lincoln Ave Office D, Chicago, IL 60618
Fulton Mortgage *
Loan Officers:
Phone: 240-620-1414
BMO Bank
Loan Officers:
Phone: 920-831-7721
Phone: 862-375-6267 (862-DrLoans)
Arvest Bank *
Loan Officers:
Phone: 913-634-2323
Any financing over 100% must be used for taxes, insurance and other closing costs. Financing is available for eligible applicants and professions. Credit, income and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change without notice.
What do you think? Have you purchased a physician mortgage? Who did you use and what was your experience like? Who else did you consider and what made your decision?