Program Overview

Our Healthcare Professional Loan Program offers three distinct tiers designed to meet the diverse needs of medical providers — from residents just starting out to established physicians purchasing luxury homes.

Program 1: HP Loan

Up to $2M | 100% LTV | Primary Residence

Program 2: HP Loan

Up to $3M | 97% LTV | Primary & Second Homes

Program 3: Doctor Loan

Up to $2M | 90–100% LTV | Primary Residence

All programs: No mortgage insurance | Up to 50% DTI | 700+ FICO (680+ for Program 3)

Zero Down Payment — 100% LTV

Maximum Loan-to-Value on Core HP Loan

The Core HP Loan allows qualified healthcare professionals to purchase a home with zero down payment — a feature virtually unmatched in conventional lending.

• No down payment required on loans up to $2M
• Eliminates the #1 barrier to homeownership for early-career providers
• Preserves capital for student loan repayment, practice investment, or savings
• Available on primary residences with 700+ FICO

For a $750,000 home, a conventional 20% down payment would require $150,000 upfront. With our Core HP Loan — $0 down.

Eligible Professional Designations

At least one qualifying borrower must hold an eligible professional designation. The following credentials are recognized across our Healthcare Professional Loan programs.

Doctoral-Level Designations

MD (Medical Doctor)

DO (Doctor of Osteopathy)

DDS (Doctor of Dental Science or Surgery)

DMD (Doctor of Dental Medicine)

MD/DO — Ophthalmology

MD/DO — Psychiatry

PharmD (Doctor of Pharmacy)

DVM or VMD (Doctor of Veterinary Medicine)

DPM (Doctor of Podiatric Medicine)

Advanced Practice & Allied Health

PA (Physician Assistant)

NP (Nurse Practitioner)

CRNA with DNAP or DNP

OD (Doctor of Optometry)

RN (Registered Nurse)

CNS (Clinical Nurse Specialist)

DC (Chiropractor)

Medical Residents, Fellows & Interns (with qualifying degree)

Specific programs may have varying eligible designation lists — confirm with your loan officer.

Physicians & Surgeons

Medical and osteopathic physicians represent the core eligible borrower for our Healthcare Professional Loan programs.

MD — Medical Doctor

Allopathic physicians across all specialties — from family medicine to neurosurgery

DO — Doctor of Osteopathy

Osteopathic physicians with full prescribing and practice rights equivalent to MDs

Specialists: Ophthalmology & Psychiatry

MD or DO designations in ophthalmology and psychiatry are specifically recognized

These designations are eligible across all three program tiers. Residents and fellows holding MD or DO degrees also qualify.

Dental Professionals

Dental professionals are fully eligible borrowers under our Healthcare Professional Loan programs.

DDS — Doctor of Dental Science or Surgery

General dentists and dental specialists including oral surgeons, periodontists, and orthodontists

DMD — Doctor of Dental Medicine

Equivalent doctoral dental degree awarded by many U.S. dental schools — same eligibility as DDS

Both DDS and DMD designations are recognized across all three program tiers. Dental professionals often carry among the highest student loan burdens — making this program especially impactful for this group.

Pharmacy, Veterinary & Podiatric Medicine

Our programs extend beyond traditional medicine to recognize the full breadth of doctoral healthcare designations.

PharmD — Doctor of Pharmacy

Clinical pharmacists and pharmacy directors with doctoral-level training in pharmaceutical sciences

DVM / VMD — Doctor of Veterinary Medicine

Licensed veterinarians across all practice types — small animal, large animal, and specialty care

DPM — Doctor of Podiatric Medicine

Podiatric physicians and surgeons specializing in foot, ankle, and lower extremity care

These designations reflect the breadth of doctoral-level healthcare training recognized by our program.

Advanced Practice Nurses & Allied Health

Advanced practice nurses and allied health professionals are fully recognized under our Healthcare Professional Loan programs.

PA — Physician Assistant

Mid-level providers practicing medicine under physician supervision across all specialties

NP — Nurse Practitioner

Advanced practice registered nurses with prescriptive authority and independent practice rights in many states

CRNA — Certified Registered Nurse Anesthetist

Must hold DNAP or DNP credential. Among the highest-earning nursing professionals in the U.S.

CNS — Clinical Nurse Specialist

Advanced practice nurses specializing in a specific area of clinical nursing practice

These designations reflect the growing role of advanced practice providers in delivering frontline healthcare.

Registered Nurses, Optometrists & Chiropractors

Our program recognizes a wide range of licensed healthcare professionals beyond doctoral-level providers.

RN — Registered Nurse

Licensed registered nurses across all care settings — hospitals, clinics, home health, and specialty units

OD — Doctor of Optometry

Licensed optometrists providing primary eye care, vision correction, and ocular disease management

DC — Chiropractor

Licensed doctors of chiropractic providing musculoskeletal and spinal care

These professionals represent a large and growing segment of the healthcare workforce — and an underserved market for mortgage lending.

Medical Residents, Fellows & Interns

Early-career physicians in training are among the most underserved borrowers in conventional lending — and among the most important to reach.

Who Qualifies

Residents, fellows, and interns holding one of the eligible degrees (e.g., MD Resident, DO Fellow, PharmD Intern)

Why It Matters

Residents often earn $60,000–$80,000/year while carrying $200,000+ in student debt — conventional lenders routinely decline them

Program Access

The Doctor Loan (Program 3) with its 680+ FICO threshold is particularly well-suited for residents and early-career physicians

Reaching residents and fellows early builds long-term client relationships with some of the highest-earning professionals in the country.

Exceptional Earning Potential

Physicians, dentists, and specialists consistently rank among the top earners in the U.S. — with income that grows significantly post-residency

Strong Employment Stability

Healthcare is recession-resistant. Medical professionals maintain high employment rates even during economic downturns

Underserved by Conventional Lenders

Most conventional products fail this demographic — making our program a powerful differentiator.

Reach out to find out your potential buying power.