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You spent years earning your degree and building your career. Now it’s time for a mortgage program specifically designed around the financial reality of healthcare professionals – not the average borrower.
Traditional mortgage lenders often penalize doctors and healthcare professionals for the very things that make their financial profiles unique – large student loan balances, limited savings during residency, and a shorter employment history.
Our Medical Professional Loan Program is engineered to work with your career trajectory. We evaluate your earning potential and professional designation, not just a snapshot of today’s numbers.
Our Medical Professional Loan Program covers a wide range of healthcare designations – from residents just starting out to fully established specialists.
MD / DO
DDS / DMD
OD
DVM / VMD
With Offer Letter
PharmD
NP / CRNA
DC
DPM
PA / PA-C
MD / DO
Ask Us
Regardless of which tier you qualify for, every Medical Professional Loan comes with the same core advantages.
Standard loans charge PMI when you put less than 20% down – often $200–$400/month. All of our Medical Professional Loan tiers eliminate PMI entirely, saving you thousands of dollars every year.
Qualifying borrowers can purchase a home with as little as 0% down on certain program tiers, preserving your capital for practice needs, investments, or personal reserves.
Deferred student loans or income-based repayment plans are factored at significantly reduced levels during underwriting – dramatically improving your debt-to-income ratio and purchasing power.
No two-year work history required. Residents, fellows, and new graduates can qualify using a signed employment offer letter for a position beginning within 90 days of your closing date.
Standard conforming limits often fall short of what medical professionals need. Our programs offer loan limits up to $2 million or more depending on the tier and property type.
Flexible underwriting does not mean penalizing rates. Medical Professional Loans come with competitive fixed and adjustable rate options comparable to conventional programs.
Our Medical Professional Loan Program offers three distinct tiers designed to fit where you are in your career – whether you’re finishing residency, newly licensed, or an established attending.
Ideal for residents, fellows, and new graduates entering their first attending position.
For fully licensed healthcare professionals ready to step into a higher loan amount.
Our most powerful program for attending physicians and specialists purchasing higher-value properties.
Program loan amounts, down payment requirements, and eligibility are subject to credit approval and lender guidelines. Contact us for your personalized qualification details.
We’ve streamlined the mortgage process so you can focus on your patients – not paperwork.
Call, text, or start your application online. We’ll confirm your eligible designation and get started on your profile right away.
A short checklist – typically your employment contract, proof of designation, and basic financial statements. Far less than a conventional loan.
We’ll issue your pre-approval letter, giving you the purchasing power to make strong, competitive offers in today’s market.
We manage the details from contract to closing, keeping timelines tight and communication clear so you can focus on what matters.
Straight answers to the questions medical professionals ask most.
Yes. The Pink Program is specifically designed for residents and fellows. You can qualify using a signed employment offer letter or contract for a position beginning within 90 days of your closing date – no attending-level income required at the time of application.
Student loans that are deferred or on an income-based repayment (IBR) plan are calculated at a significantly reduced rate during underwriting – sometimes as low as 0% of the balance – rather than the full standard payment. This can dramatically reduce your debt-to-income ratio and unlock a higher purchase price.
The Pink Program is best for residents, fellows, and new graduates purchasing a primary home up to $750,000. The Silver Program suits actively licensed practitioners looking for up to $1.25M in financing. The Teal Program is our most powerful option for established attending physicians purchasing up to $2M or more with minimal down payment.
No. Private Mortgage Insurance is not required on any of our three Medical Professional Loan tiers, even when you put less than 20% down. This alone can save qualifying borrowers $200–$500 per month compared to a standard conventional loan.
Minimum credit score requirements vary by tier and loan amount. Generally, a 700 or higher positions you for the best rates and terms across all three programs. Scores in the 680–699 range may still qualify depending on overall financial profile.
Yes. The Silver and Teal programs are available for both purchase and refinance transactions. If you already own a home and want to access equity, lower your rate, or restructure your mortgage, you may still qualify under the Medical Professional Loan Program.
The Medical Professional Loan Program is available in all states where Max Mortgage is currently licensed. Whether you’re purchasing locally or relocating for a new residency, fellowship, or practice opportunity, we can likely serve you. Contact us to confirm availability in your specific state.
This is not a commitment to lend. All loan programs are subject to credit approval, income verification, and property eligibility. Loan amounts, interest rates, down payment requirements, and program terms are subject to change without notice and may vary based on individual loan characteristics. Program availability varies by state; contact us to confirm eligibility in your state. Max Mortgage • NMLS# 1446745 • Gretna, LA • Equal Housing Opportunity
