phySICIAN hOME LOAN lenders in your state.
All of the loan officers listed are highly recommended Physician Loan Officers and industry leaders that specialize in working with Physician Mortgage Loans ONLY.
Please use the form below and we’ll let a Physician Loans USA Specialist know that you are looking for more information.
Physician Loans Ohio
REGIONAL BANK DOCTOR PROGRAM FEATURES:
Available States: AK, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KY, ME, MD, MA, MI, MO, MT, NV, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WI, WY
Fixed- and variable-rate options available
Loan amounts up to $3.5 million
Up to 100%1 loan-to-value (LTV) to $1 million
Up to 95%1 loan-to-value (LTV) to $1.5 million
Up to 85%1 loan-to-value (LTV) to $2 million
No Private Mortgage Insurance (PMI) required
Personalized service
Loan options available for purchase, as well as rate/term and cash-out refinances
Eligible property types include owner-occupied primary residences and second homes
Available for 1-unit single-family homes, attached or detached, condos or planned unit developments
CITIZENS BANK DOCTOR PROGRAM FEATURES:
Available States: CT, DE, FL, GA, ID, IL, KS, LA, MA, MD, ME, MI, MN, MS, NH, NJ, NY, NM, OH, OK, PA, RI, SD, TN, TX, UT, VA, VT, WA, WV, WY
Here are some of the highlights and parameters of our program. Keep in mind that if you do not fit these criteria perfectly, we do allow for exceptions on a case by case scenario.
5% Down Payment required up to $850,000 and 10% required up to $1 Million and 15% down up to 1.5 Million (exceptions are possible with 10% down up to 1.5)
No PMI(private mortgage insurance).
No prepayment penalties.
45% Debt Ratio allowed (Exceptions can be granted at higher DTIs with compensating factors).
30 & 15 year fixed and 5, 7 and 10 Year ARMs available.
I/O *Interest only options available to 89% loan to Value!
Credit score ideally to be 7oo with loans up to 850 Fico, 720 to 1 Million and 740 to 1.5 Million (Exceptions can be made).
2-6 months of reserves required depending on years outside of residency. However, the reserves can be gifted or are allowed to be in a retirement account.
Allowed to close up to 60 days (*Exceptions can be made to 90 days) prior to new employment with a fully executed employment contract.
Physician Must be within 10 years of graduating residency/fellowship.
Very Flexible student loan calculations. $0 payment allowed in some cases.
MD, DO, DPM, DDS, DMD, Residents, Fellows Qualify for program.
Personalized service by the Top Physician lending group.
FLAGSTAR BANK DOCTOR PROGRAM FEATURES:
Available in the following states: (ALL 50 STATES)
100% Financing up to $1m with a 720 credit score
95% financing up to $1.5m with a 700 credit score
5/6, 7/6, 10/6 Adjustable Rate Mortgages (ARMS)
Deferred medical student debt may not affect your qualifying loan amount
Purchase and rate & term refinance
Non-occupant co-borrowers allowed
Max debt to income ratio 45%
Gift funds allowed
SFR, Townhome, Condo, Modular Home
Eligible occupations include:
Doctor of medicine, Doctor of Dental surgery, Doctor of Dental medicine or surgeon, Medical resident (with educational license), Doctor of Optometry, Doctor of Osteopathic medicine, Doctor of Podiatric medicine, Doctor of Veterinary medicine, Doctor of Pharmacy, Physician’s Assistant (PA), Registered Nurse (RN), Nurse Anesthetist, Nurse Practitioner, Clinical Nurse specialist, CPA, ATP Pilot, Attorney
Mercantile Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: MI, IN, OH, KY
TD Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Huntington Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: CO, IL, IN, IA, KS, KY, MI, MN, MO, NE, ND, OH, OK, PA, SD, TN, UT, WI, WV, WY
Northpointe Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: AZ, CA, CO,FL, TX, NV, OR, WA
Fifth Third Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: WI, MO, IL, IN, OH, KY, MI, TN, GA, FL, NC, SC, WV
US Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: (ALL 50 STATES)
Truist: Click here for Program Features and Loan Officer Contact Information
Available in the following states: AL, AR, CA, CT, DE, FL, GA,IN, KY, MD, MS, MA, NJ, NC, OH, PA, SC, TN, TX, VA, DC WV
NEO Home Loans: Click here for Program Features and Loan Officer Contact Information
Available in the following states: (ALL 50 STATES)
Iberia Bank: Click here for Features and Loan Officer Contact Information
Available in the following states: AL, AZ, AR, CA, CO, FL, GA, IN, KS, LA, MI, MS, NJ, NY, NC, OH, OK, SC, TN, TX, VA
First Federal Lakewood: Click here for Program Features and Loan Officer Contact Information
Available in the following states: OH, MI, IN, PA, NC, FL
BMO Harris Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: CA, OR, WA, NV, AZ, NM, CO, TX, FL, PA, MA, ID
Flagstar Bank: Click here for Program Features and Loan Officer Contact Information
Available in the following states: (ALL 50 STATES)