Built for the doctors, dentists, and healthcare professionals who care for the rest of us.
We’re proud to support the professionals who spend their careers caring for others. This program helps doctors, dentists, residents, fellows, and other healthcare providers buy a home with financing shaped around the realities of a medical career — whether you’re practicing in North Carolina or relocating from another state.
Who it's Built For
Licensed and future medical professionals, including:
- Medical Doctor (MD) and Doctor of Osteopathy (DO)
- Doctor of Dental Science/Surgery (DDS) and Doctor of Dental Medicine (DMD)
- Ophthalmologists and psychiatrists (MD or DO)
- Doctor of Pharmacy (PharmD)
- Doctor of Veterinary Medicine (VMD)
- Doctor of Podiatric Medicine (DPM)
- Certified Registered Nurse Anesthetist (CRNA)
- Residents, fellows, and interns holding one of the above degrees
Eligibility
- A minimum M.D., D.O., D.D.S., D.M.D., DNP, or DNAP degree
- An active employment contract or verified accepted employment terms
- Non-occupant co-borrowers allowed, provided their income stays within 50% of total qualifying income
Why Medical Professionals Choose Us
We’re a partner, not just a lender — with deep experience serving healthcare borrowers, plain-language guidance, fast pre-approvals for competitive markets, and strategies built for the long term. We understand student loan structures, employment contracts, and the transition from residency into practice.
Loan Features and Highlights
- Up to 100% financing, with no down payment on eligible transactions
- No PMI
- Loan amounts up to $2,000,000
- Primary residence only (1-unit properties)
- Purchase and rate/term refinance options
- Flexible underwriting designed around medical careers
Available Terms
15-year fixed, 30-year fixed, and 5/6, 7/6, and 10/6 SOFR ARMs — so you can match the structure to your income trajectory and long-term goals.
Buying or Relocating to North Carolina?
North Carolina remains a top destination for medical professionals, with strong healthcare systems, growing cities like Raleigh, Durham, Charlotte, and Chapel Hill, world-class universities and hospitals, and housing that’s affordable relative to other metros. We also help professionals moving in from other states and can arrange financing before you arrive.
A Simple Process
- Schedule a consultation with a medical-loan specialist.
- Get pre-approved quickly using your employment contract.
- Shop with confidence, knowing your numbers are solid.
- Close smoothly with a team that stays a step ahead.