Zero PMI, up to 100% financing for physicians
✅ Up to $2,000,000 loan amount ✅ No mortgage insurance (PMI) at any LTV ✅ Qualify with a signed employment contract up to 150 days before start ✅ Student loan payments in deferment or IBR can be excluded from DTI for residents/fellows ✅ Minimum LTV 90.01% – perfect for buyers with limited down payment
Qualified borrowers must hold an MD, DO, DDS, DMD, Doctor of Ophthalmology, Doctor of Psychiatry, PharmD, DVM/VMD, DPM, or CRNA (DNAP/DNP) degree, or be a medical resident, fellow, or intern. Non‑occupant co‑borrowers are allowed but may only contribute up to 50% of total qualifying income. The loan is for a primary‑ residence, one‑unit, with reserves and appraisal requirements as outlined.
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