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Medical professionals applying for A medical professional mortgage from First State Bank Mortgage.

Medical Professional Loan

Home Financing for Medical Professionals

Buying a home while managing student debt and a demanding career can be challenging. This home loan program is designed to help doctors, dentists, and other healthcare professionals secure mortgage loans with low or no down payment options.

Whether you’re a resident, fellow, or established provider, our medical professional home loan provides options that traditional mortgage programs may not offer.

Medical Professional Loan Program Details

This program offers home loans tailored to the unique needs of physicians and other eligible borrowers:

  • Up to 100% financing available for primary residence purchase or refinance
  • Loan amounts up to $2 million
  • No borrower-paid mortgage insurance requirement
  • Minimum 680 FICO score required
  • Student loans in deferment or forbearance may be excluded from debt-to-income (DTI) calculations1

Who is Eligible for this Medical Professional Loan

This program is available to a wide range of medical professionals, including:

  • Physicians (MD)
  • Dentists (DDS, DMD)
  • Doctor of Osteopathy (DO)
  • Ophthalmologists (MD or DO)
  • Psychiatrists (MD or DO)
  • Pharmacists (PharmD)
  • Veterinarians (VMD)
  • Podiatrists (DPM)
  • Certified Registered Nurse Anesthetists (CRNA)
  • Medical residents, fellows, and interns with qualifying degrees

If you’re a physician, dentist, or other healthcare professional, this program can help simplify your path to homeownership. Connect with a loan officer to explore your options, review current mortgage rates, and get started.

 

Start Your Home Buying Journey

Disclosures

1 If the following conditions are met: The borrower is currently in residency or in a medical clinical fellowship training program, and the borrower is qualified based on the current income received during residency or medical clinical fellowship program.

 

First State Bank Mortgage is a division of First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.