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Medical Professionals Mortgage
Long Shifts. Big Dreams.

At First, we believe that you deserve financing that recognizes your journey in healthcare — not just your credit score.

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Why This Mortgage Is Different

 

Your work makes a difference—and so should your mortgage experience.
We created this program to meet the unique needs of medical professionals buying a primary residence.

  • No down payment required

  • No mortgage insurance—keep your monthly payment lower 

  • Loan amounts up to $1 million

  • Only 5% down on loans over $750,000 

  • Minimum credit score: 700

Who It’s For

This program is available for licensed, full-time medical professionals purchasing a home, including:

  • Medical Doctors (M.D. or D.O.)

  • Dentists (D.D.S. or D.M.D.)

  • Podiatrists, Ophthalmologists, and Veterinarians

Vet

Designed to Keep Things Simple

We don’t just offer a loan—we offer a team. From pre-approval to closing, you’ll have access to: 

• A dedicated mortgage expert who understands your field

• A streamlined application process tailored to your schedule 

• Built-in flexibility for employment contracts and residency starts

• No private mortgage insurance (PMI), even with little or no down payment 

Eye Doctor

A Simple Process. A Smoother Transition.

Step 1: Start With a Quick Conversation

We’ll learn more about your new home, your employment status, and your timeline.

Step 2: Get a Customized Loan Plan

Our team will help you review your eligibility and guide you through your loan options.

Step 3: Move In With Confidence  

Enjoy the stability of a smart, long-term mortgage—no PMI, low or no down payment, and a lender that’s still here for your next move.

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Be Ready: What You’ll Need

To keep your application on track, have these ready:

  • Employment contract or letter of acceptance 

  • Two years of address history

  • Tax documents, W2s/1099s, and pay stubs 

  • Bank and retirement account statements

  • Proof of any extra income 

  • Documentation of any recent credit inquiries or large deposits

Tip: Changing jobs or making big purchases during the process? Talk to your loan originator first. It can affect your approval. 

Dentist

You’ve Earned This Opportunity. Let’s Make It Yours.

Buying a home as a medical professional shouldn’t be harder—it should be smarter. We’ve built this program to support your career, your time, and your goals.

* Offer available for medical doctors who have a minimum of a M.D., D.D.O., D.D.S., or D.M.D. degree and an employment contract (or verification of terms of employment acceptance). Medical Doctors including Dentists, Podiatrists, and Ophthalmologists are permitted. Veterinarians are permitted. This program is not available to Chiropractors. Offer applies to applications for primary residence; owner-occupied purchases only. Loan subject to verification and documentation of borrower’s assets and income, a first mortgage lien and satisfactory appraisal. Property insurance required. Flood insurance may be required.