Doctor Loan Program


This attractive program is for licensed doctors looking to purchase a home or refinance their current mortgage. At least one borrower must have an approved medical license. Eligible borrowers with student loan debt that is in deferment for 12 months beyond the note date are not required to include the deferred debt in the debt-to-income (DTI) ratio calculation.

-Purchase and rate/term refinance all up to 95% loan to value

-Primary residence only

-Deferred debt excluded from debt to income ratio

-Up to a 43% debt to income ratio

-Minimum credit score of 700

-5/1 and 7/1 Arm options

-Max loan amount of $850,000

-Mortgage insurance require and 3 months PITI reserves

-Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.

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