Mortgage Loans for doctors

Medical Professional Mortgage Loans

Guild Mortgage Introduces New Medical Professional Mortgage Program To Help Doctors And Other Professionals In The Medical Industry Purchase Their Primary Home


What is a medical professional mortgage program?

Our medical professional mortgage is a special loan with unique characteristics for medical professionals who qualify. Maybe you’re studying to become a doctor or recently graduated and working to pay off your student loans. You might think all this debt would make it difficult to qualify for a home loan, but we’ve got you covered. We created a program just for you.

We have loan options available for up to 100% financing, meaning you can potentially pay no down payment. Also, no mortgage insurance is required. Read on for more details about this program.

Which medical professionals are eligible?

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Some superheroes wear stethoscopes. You’re making a difference. Now it’s our turn to help, and we’re offering a mortgage tailored to your needs. Are you working as one of the following medical professions? If so, this program might be for you.

  • Medical Resident

  • Medical Doctor

  • Doctor of Dental Medicine

  • Doctor of Ophthalmology

  • Doctor of Osteopathy

  • Chiropractor

  • Doctor of Surgery

  • Medical Fellow

  • Doctor of Dental Surgery

  • Doctor of Optometry

  • Doctor of Podiatric Medicine

  • Pharmacist

  • Doctor of Veterinarian Medicine

  • Doctor of Psychiatric Medicine


If this isn’t you, we might still be able to find the right fit. You can read more about the different types of loans we offer on our website.

We’re trying to help people who invest years of their lives in preparing to serve others. It’s important to us to make homeownership affordable and achievable for you at the early stages of your career, so we created a mortgage for doctors.

With this loan program, medical doctors and residents don’t have to wait to buy a home. With 100% financing options available for loans with no private mortgage insurance, why wait to find your next home?

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Details of the medical professional mortgage program

Here’s a list of requirements and details:

  • Must be in an eligible profession, shown above

  • Option for no mortgage insurance up to 100% loan-to-value ratio

  • Loan amounts up to $850,000

  • Credit scores as low as 700

  • Student debt may be excluded from debt-to-income ratio (DTI), but max DTI is 43%

  • Must prove present or future employment

Benefits of the medical professional mortgage program

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The medical professional mortgage program offers unparalleled flexibility. We created this loan to fit your life. Why should you choose a medical professional program when there are so many other options? Here are the main benefits of this program:

Get up to 100% financing

Most home loans require some amount of down payment, but with the medical professional mortgage program, you may be able to put zero money down and finance the entire purchase amount.

Avoid paying mortgage insurance

Mortgage insurance can be expensive, and many programs require mortgage insurance on loans with down payments less than 20%. You won’t have to worry about that with the medical professional mortgage program.

Exclude student debt from your debt-to-income ratio

Student debt can make it tough for you to qualify for many types of mortgages. If your student loan has been deferred for at least 12 months, we’ll leave that factor out of the equation.


How to get a medical professional mortgage

Home is closer than you think! Contact my team at Guild Mortgage today! we will be able to confirm your eligibility, answer any questions you might have and help with your application. We’ve been at this for years and we can make your dreams of homeownership a reality. ready to get started or want to learn more about this medical professional mortgage program?

medical professional program

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.