The Ultimate Doctor Loan: 100% Financing and No PMI for Medical Professionals

As a medical professional, you have dedicated years to education, training, and building a career with an incredible long-term trajectory. But early in your career—especially during residency or right after graduation—significant student loan balances and limited savings can make buying a home feel like a daunting emergency. You need a financing solution that recognizes your career stability and future earning power, not just a standard rigid loan process.

That is where this exclusive Medical Professional Program comes in. Designed exclusively for qualifying medical professionals, this program bypasses traditional lending hurdles to help you secure a primary residence (1-unit only) with wholesale execution and exceptional terms. Whether you are relocating across Texas, Arizona, Idaho, Oregon, or Washington for a new hospital contract, this loan provides a clear path to homeownership without the standard red tape.

Key Highlights of the Medical Professional Loan

This program is built around the realities of a medical career, offering features that traditional conventional loans simply cannot match:

• Up to 100% Financing: You can borrow up to $1,500,000 with zero down payment as long as you meet the 680 minimum FICO requirement. If you have a 720 FICO score, you can finance up to $2,000,000 at 100% Loan-to-Value (LTV).
• No Mortgage Insurance (MI): Private Mortgage Insurance is completely eliminated, regardless of your down payment size or LTV.
• Flexible Student Loan Calculations: If you are currently in residency or a medical clinical fellowship program, student loan payments that are in deferment, forbearance, or reporting as $0 due to an Income-Based Repayment (IBR) plan can be completely excluded from your debt-to-income (DTI) ratio.
• Qualify with Future Income: You can qualify using a fully executed employment contract or offer letter. You do not even need to start the job yet; the start date can be up to 150 days after your loan closes. If you are hired as a 1099 contractor, the start date must be within 60 days of closing.
• Housing Allowance Inclusion: For residents and fellows, a housing allowance can be included in qualifying income if it is paid directly to you in cash.

Who is Eligible?

To qualify, at least one borrower must hold one of the following professional designations and be in active practice (including medical residents, fellows, and interns with these degrees):

• Medical Doctor (MD) or Doctor of Osteopathy (DO)
• Doctor of Dental Science or Surgery (DDS) or Doctor of Dental Medicine (DMD)
• Doctor of Ophthalmology or Doctor of Psychiatry (MD or DO)
• Doctor of Pharmacy (PharmD)
• Doctor of Veterinary Medicine (DVM or VMD)
• Doctor of Podiatric Medicine (DPM)
• Certified Registered Nurse Anesthetist (CRNA with DNAP or DNP)
• Nurse Practitioner (NP with MSN or DNP)

Note: Chiropractors and professions without active clinical duties are not eligible for this specific program.

The Clarified Loan Process for Doctors

When you are managing clinical duties, the last thing you need is a convoluted mortgage process filled with hidden costs. Operating on a LEAN LO independent brokerage model strips away the processing and administrative junk fees, ensuring you get direct wholesale pricing and high-level education from start to finish. If you have built up assets, we can even utilize asset depletion as supplemental qualifying income.

If you are ready to get off the renting roller coaster and want to review your specific scenario, call me, shoot me a text, or schedule a meeting today. We will run the exact numbers through my pricing and scenario tools and structure a seamless, stress-free path to your new home.

Addy Nett

Mortgage Loan Officer | NMLS #1542184

Licensed in AZ, ID, OR, WA, TX 📍

NEXA Mortgage LLC

📞 971-263-8140

✉️ anett@nexamortgage.com | AZ BANKER license number: BK-2006218

NEXA Mortgage | #1660690 | AZMB # 0944059

Equal Housing Opportunity

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