Loans for Medical Professionals | First Heritage Mortgage

Physician Home Loan Program

First Heritage Mortgage is proud to offer a premier mortgage program  to medical professionals looking to buy or refinance a home.

Our Physician Home Loan Program is designed to eliminate many of the  mortgage financing roadblocks faced by physicians and residents.

Physician Home Loan Program Benefits

No monthly Mortgage Insurance
High loan-to-value (LTV) financing and loan limits
Future income may be used to qualify
Flexible down payment options – Gift funds and signing bonus eligible
Student Loan debt may be excluded from debt-to-income calculation*
Fully amortizing adjustable-rate mortgage options

Who Can Participate?

Our Physician Home Loan Program is specifically tailored for existing Medical Doctors (MD and DO), Dentists, Dental Surgeons, and Veterinarians who are:

Actively practicing and within 10 years of completing original residency or fellowship
Newly licensed medical residents currently employed in residency or fellowship
Newly licensed medical students about to begin new employment/residency within 60 days of closing

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Mortgage Application Checklist

Use this simple checklist to get the mortgage process rolling.

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Mortgage Calculators

Try our calculators to start planning your home buying experience.

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Ready to Get Started?

Get in touch today to learn more about if our Physician Home Loan Program is right for you.

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*Student loans excluded from DTI calculation with proof of >12 months’ deferment/forbearance.

Effective Mortgage Solutions for Medical Professionals

Physician Home Loan Program

Physician Home Loan Program Benefits

Who Can Participate?

Learn More

Mortgage Application Checklist

Mortgage Calculators

Ready to Get Started?