Medical Professional Financing Program

This specialized financing solution is designed exclusively for medical professionals. It offers high-leverage financing with flexible qualification standards, specifically acknowledging the unique earning trajectories and educational debt structures of those in the medical and dental fields.

1. Eligible Professionals

At least one qualifying individual whose income is used for the loan must hold an active employment contract (or formal verification of employment acceptance) and possess one of the following professional designations:

  • Medical & Psychiatric: Medical Doctor (MD) or Doctor of Osteopathy (DO), including Ophthalmology and Psychiatry
  • Dental: Doctor of Dental Science/Surgery (DDS) or Doctor of Dental Medicine (DMD)
  • Pharmacy: Doctor of Pharmacy (PharmD)
  • Veterinary: Doctor of Veterinary Medicine (VMD)
  • Podiatry: Doctor of Podiatric Medicine (DPM)
  • Advanced Nursing: Certified Registered Nurse Anesthetist (CRNA holding a DNP/DNAP degree)
  • Trainees: Medical residents, fellows, or interns actively holding one of the foundational degrees listed above.

2. Financial Features & Benefits  

  • No Mortgage Insurance (MI): Eliminates standard monthly MI requirements entirely, maximizing monthly cash flow.
  • High Leverage Allowances: Designed for professionals making smaller down payments.
  • Favorable Debt Analysis: Student loan payments are completely excluded from the qualifying debt-to-income calculations.
  • Reserve Flexibility: Gift funds are fully permitted to satisfy any necessary cash reserve requirements.

3. Property & Transaction Parameters  

  • Transaction Types: Eligible for new home purchases and Rate/Term refinances.
  • Co-Signer Allowances: Non-occupant co-signers are permitted.

4. Available Term Structures  

  • Fixed-Rate Options
  • Adjustable-Rate Options (ARM)

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