Physician & Medical Professional Home Loans · North Carolina
You spent years taking care of everyone else. Here's a home loan built around your life.
For doctors, dentists, pharmacists, veterinarians, podiatrists, eligible CRNAs, and medical residents, fellows, and interns. If student loans, a job that hasn't started yet, or a tight down payment have made buying feel complicated, you are exactly who this was built for.
Top 1% lender nationally
Same-day pre-approvals
Licensed in all 100 NC counties
Max LTV
in eligible scenarios
Maximum loan
$100K minimum
Above 90% LTV
cleaner payment
Min FICO
to get started
The part nobody else talks about
You already have a reason this won't work. Let's go through it.
The objections you are carrying are the exact things this loan was designed to solve.
Here is the straight answer to each one.
During residency or fellowship, those payments may be left out of your debt calculation when the program criteria are met. That one change moves a lot of buyers from "not yet" to "approved."
A signed offer letter or employment contract may be enough to qualify, even before your first shift, when requirements are met. You don't have to wait months after relocating to buy a home.
You may not need to. Eligible buyers can go up to 100 percent loan-to-value, with no required mortgage insurance above 90 percent. Your cash can stay where you need it.
Why this loan is different
Built for where you actually are, not where a generic lender wishes you were.
Purchase or rate and term refinance with up to 95 to 100 percent financing, based on your credit and loan size.
Most high loan-to-value loans pile on monthly MI. This one does not above 90.01 percent LTV, so your payment stays cleaner.
Your student loan payments may be excluded from your debt calculation during residency or clinical fellowship when criteria are met.
A signed offer letter or employment contract can be used to qualify, even before your first day, when requirements are met.
Residents, fellows, and interns with eligible degrees are specifically included, not pushed to the back of the line.
Loans up to $2 million, with fixed 15, 20, 25, and 30 year terms plus 5/6, 7/6, and 10/6 ARM option
Who qualifies
If your credential is on this list, this conversation is worth having.
MD
DO
DDS
DMD
PharmD
DVM / VMD
DPM
Eligible CRNAS
Residents, Fellows & Interns
Eligible degrees only, for a one-unit primary residence. Ask us first. We will tell you straight whether this is your best path or whether another option fits you better. Chiropractors are not eligible for this program, and we confirm eligibility before you ever fill out an application.
how we work
We start with a strategy call, not an application.
Most deals don't die at the offer. They die later, in underwriting, because nobody structured the loan correctly up front. We flip that. One short conversation lets us build the right loan around your student debt, your start date, and your goals before anything gets submitted.
15 minutes, no pressure
Let's find out if this is your loan.
Tell us where you are in training or practice and what you're hoping to buy. We'll tell you honestly whether this program fits, and what your numbers could look like.
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Serving every corner of North Carolina
Wherever you match, train, or hang your shingle in NC, we can help you buy there.
We're licensed in all 100 North Carolina counties, so whether you're starting a residency at Duke or UNC, joining a practice in Charlotte, filling a hospitalist role in Greensboro or Winston-Salem, or moving to the coast, your loan stays with one team the whole way.
The Triangle
Raleigh, Cary, Durham, Chapel Hill, Apex, Holly Springs, Wake Forest, and Clayton. Home to Duke Health, UNC Health, and WakeMed, and where a lot of our physician buyers land first.
Coastal & Eastern NC
Wilmington, Greenville, Jacksonville, and the coast, including ECU Health and the buyers relocating for a first hospital job.
Charlotte & the Piedmont
Charlotte, Greensboro, Winston-Salem, and the surrounding metros, with major systems like Atrium Health, Novant Health, and Cone Health.
The Mountains & the West
Asheville, Hendersonville, and Western North Carolina. Different market, same team, same straight answers.
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Physician home loan questions, answered.
Fifteen minutes could change what you thought was possible.
You take care of patients all day. Let us take care of this. Book a quick call and we'll tell you, honestly, whether this loan is your best move.
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