Medical Professionals Mortgage Program
Home financing for healthcare heroes.
Connect With A Loan OfficerYou take care of everyone else. Let us help take care of this
You spent years in school and training, building the kind of career most people only dream about. But that journey often comes with student debt, a delayed start to earning, and income that doesn’t always look “normal” on paper, especially if you’re still a resident or fellow.
The Medical Professionals Mortgage Program from First Heritage Mortgage was built with your career path in mind. We recognize the earning potential that comes with your credentials, and we’ve created a loan program that works with your situation, not against it.
Highlights & Benefits
Medical Professionals Mortgage Program Highlights
- Up to 100% financing with no mortgage insurance: For qualified buyers purchasing a primary residence.
- Loan amounts up to $2 million: With a minimum of $100,000, this program is built for the homes that match your lifestyle.
- Flexible income options: Residents, fellows, and newly contracted providers can use a future employment contract to qualify.
- Flexible debt-to-income ratio: Up to 50% DTI, accounting for the student loan debt many medical professionals carry.
- Primary residence purchase or rate-and-term refinance: Whether you’re buying your first home or refinancing into a better rate, we’re here to help.
More About the Medical Professionals Mortgage Program
This program is open to MDs, DOs, DDSs, DMDs, PharmDs, CRNAs, VMDs, and DPMs. It's available to professionals at all career stages, including residents, fellows, and newly contracted providers.
No. If you've signed an employment contract but haven't started your new role yet, you may still be able to qualify. Projected or future income can be used for eligibility, which is one of the biggest advantages of this program for residents and fellows.
Qualified borrowers may be eligible for up to 100% financing, meaning no down payment is required. And unlike many low-down-payment loans, this program does not require mortgage insurance, which can equate to major savings over the life of the loan.
We understand that student loan debt is a reality for most medical professionals. This program allows a debt-to-income ratio of up to 50%, which gives more room to qualify even when carrying substantial existing debt.
No, this program is designed for primary residences only. It's available for both purchases and rate-and-term refinances.
Loan amounts range from $100,000 up to $2,000,000, making this program a strong fit across a wide range of home prices and markets.
Explore our other specialty loan programs
Not sure if a Medical Professionals Mortgage Program loan is the right fit for your needs? Not to worry. First Heritage Mortgage offers a full suite of specialty loan programs, each designed for a specific type of borrower situation.
Bank Statement Loans
Self-employed? Skip the tax returns. Eligible borrowers can qualify using 12 or 24 months of bank statements and get access to loan amounts up to $3.5 million.
DSCR Loans
Qualify based on your property’s rental income, not your personal tax returns. Built for real estate investors who want to grow their portfolio without the paperwork.
Non-Warrantable Condo Loans
Found the condo you love, but heard it’s non-warrantable? We specialize in financing for condos that fall outside conventional guidelines, with loan amounts up to $2 million for eligible buyers.
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You’ve earned this. Let’s make it happen
A home of your own is one of the most important investments you’ll ever make. You’ve worked incredibly hard to get here, and you deserve a mortgage experience that honors that.
Connect with a First Heritage Mortgage loan officer today and take the first step toward your new home.
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