Ready To Acquire The Home You Deserve?
A Smarter Loan Will Make It happen!
Whether you’re a newly licensed or established healthcare practitioner seeking to purchase a home, USMF offers the perfect physician mortgage loan for you. Whether it’s your first home purchase or a refinancing of your current mortgage, USMF will customize a physician home mortgage to suit your specific needs. Our intelligent home financing programs offer tailored benefits and straightforward solutions designed to meet the unique requirements of both new and experienced doctors.
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 physician loans are specifically designed mortgages tailored for medical professionals, eliminating the need for a down payment in most cases. Unlike other lenders that typically require private mortgage insurance (PMI) for down payments below 20%, our physician loans allow you to bypass both the down payment and PMI. The primary advantage of our doctor mortgage loans is that they enable physicians to purchase a home earlier than they would with a conventional mortgage. With a down payment ranging from 0% to 10%, no PMI, and flexible employment and debt-to-income (DTI) ratios, our physician loans offer a more affordable and convenient option, making them a smarter choice for both new and established medical professionals. It’s important to note that due to the more lenient requirements, these loans may not 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.