Ready To Acquire The Home You Deserve?
A Smarter Loan Will Make It happen!
Whether you’re a brand new or established healthcare practitioner looking to acquire a home, USMF has the ideal physician mortgage loan for you. If you’re purchasing your first home or refinancing your existing mortgage, USMF will structure a physician home mortgage tailored specifically to your requirements. Our smarter home financing programs provide new and established doctors with ideal benefits and simple solutions to meet their needs.
Residential Home Mortgages for Doctors
Our smarter residential home mortgages for healthcare practitioners are offered to the following occupations:
- Pharmacists
- Dentists
- Veterinarians
- Optometrists
- Ophthalmologists
- Plastic Surgeons
- Medical Doctors
- Dermatologists
- Cardiologists
- Pediatricians
If you don’t see your particular specialty feel free to ask us.
Benefits of Our Custom Home Mortgages for New & Established Physicians, Residents & Fellows
Our smarter physician loans are mortgages specifically designed for medical professionals that usually don’t require a down payment. Other lenders usually require the borrower to pay private mortgage insurance (PMI) if they’re making a down payment of less than 20%. Our physician loans make it possible to skip paying for both a down payment and PMI. The main benefit of our doctor mortgage loans is that with it, physicians are able to buy a home earlier than they would with a conventional mortgage. A down payment of 0 – 10%, no PMI, and flexibility with employment and debt to income (DTI) make our physician loans easier, more affordable option, and a smarter choice overall for new and established medical professionals. Keep in mind, that with the much more lenient requirements, these types of loans usually don’t offer a fixed rate.
Smarter Home Mortgages for Physicians
Here are some examples and benefits to our doctor mortgage loans:
Established Physicians
- Finance up to $750,000 with no down payment required when purchasing or refinancing – or up to $2 million with a 10% down payment.
- Fixed and Adjustable Rate Mortgage (ARM) loans are available.
- No Private Mortgage Insurance (PMI) required.
- Refinancing options are available.
Residents, Fellows & New Physicians
- Finance up to $750,000 with no down payment required when purchasing or refinancing – or up to $1 million with a low down payment.
- Fixed and Adjustable Rate Mortgage (ARM) loans are available.
- No Private Mortgage Insurance (PMI) required.
- Refinancing options are available.