PHYSICIAN & HEALTHCARE MORTGAGE SOLUTIONS
HOME FINANCINGFOR HEALTHCARE HEROES
Overcome high student debt burdens, projected income gaps, and strict underwriting obstacles with specialized financing tailored for licensed medical practitioners.
Up to 100% LTV Financing
Purchase a primary residence up to $1.5M with $0 down payment, or up to $2.0M with 5% down.
Contract & Future Income Qualification
Close on your home up to 150 days prior to your employment start date using your executed contract.
Student Debt Exclusion
Deferred or IBR student loans can be completely excluded from DTI ratios for residents and fellows.
Eligible Medical Designations
Coverage extends to actively practicing doctors, residents, fellows, and advanced clinical specialists:
| Physicians & Surgeons | Dental & Veterinary | Nursing & Advanced Practice |
|---|---|---|
| • Medical Doctor (MD) | • Dental Science / Surgery (DDS) | • Physician Assistant / Associate (PA) |
| • Doctor of Osteopathy (DO) | • Dental Medicine (DMD) | • Nurse Practitioner (NP) |
| • Psychiatry (MD / DO) | • Veterinary Medicine (DVM / VMD) | • Nurse Anesthetist (CRNA) |
| • Ophthalmology (MD / DO) | • Podiatric Medicine (DPM) | • Doctor of Optometry (OD) |
| • Doctor of Pharmacy (PharmD) | • Residents, Fellows, & Interns |
Review Your Qualifying Options
Connect directly with Conner Carpenter to analyze your employment contract, run your debt-to-income ratio, or initiate a pre-approval.