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Doctor Loan

Specialized Home Financing for Medical Professionals in Maryland, Virginia, Washington DC & Delaware

Doctors and medical professionals often face a unique financial situation early in their careers. Years of schooling, large student loan balances, delayed earnings, and limited savings can make qualifying for a traditional mortgage more difficult — even for borrowers with strong income potential and excellent long-term career stability.

Our Doctor Mortgage Loan Program was designed specifically for medical professionals who may not fit perfectly into conventional mortgage guidelines.

This program offers flexible underwriting, low down payment options, and no monthly mortgage insurance for eligible borrowers purchasing a primary residence in Maryland, Virginia, Washington DC, or Delaware.

Program Highlights

  • Up to 100% financing available
  • No monthly mortgage insurance (MI)
  • Flexible student loan debt calculations
  • No reserve requirements
  • Gift funds allowed
  • Financing available for newly employed doctors
  • Residents, fellows, and interns may qualify
  • Loan amounts up to $3 million
  • Hybrid ARM financing options available

Maximum Financing

Loan Amount Maximum Financing
Up to $1,000,000 100% Financing
$1,000,001 – $2,000,000 95% Financing
$2,000,001 – $3,000,000 90% Financing

Loans above $2 million require a second appraisal.

Eligible Borrowers

This program is available to eligible medical professionals, including:

  • Medical Doctors (MD)
  • Doctors of Osteopathy (DO)
  • Dentists (DDS / DMD)
  • Pharmacists (PharmD)
  • Veterinarians (VMD)
  • Podiatrists (DPM)
  • Medical Residents
  • Fellows
  • Interns

Eligible borrowers must be U.S. citizens or legal permanent residents employed in the United States.

Eligible Property Types

Financing is available for:

  • Single-family homes
  • Primary residences
  • Townhomes / PUDs
  • Warrantable condominiums
  • Homes with ADUs (Accessory Dwelling Units)

Purchase transactions only.

Flexible Student Loan Guidelines

One of the biggest challenges for many doctors is student loan debt.

Traditional mortgage programs can sometimes overestimate student loan payments when calculating debt-to-income ratios. This Doctor Loan Program uses a more flexible approach for deferred student loans, which may help increase purchasing power for eligible borrowers.

Credit & Income Guidelines

Program highlights include:

  • Credit scores as low as 680 for loans at 80% financing or below
  • 740 minimum score for financing above 80%
  • Maximum 43% debt-to-income ratio
  • Qualification based on the fully indexed ARM rate
  • Flexible treatment for newly employed medical professionals

Available Loan Terms

Available loan options include:

  • 5-Year ARM
  • 7-Year ARM
  • 10-Year ARM

Why Medical Professionals Choose Doctor Loans

Many doctors have strong future earning potential but may not yet have the savings or debt profile required for conventional financing.

A Doctor Mortgage Loan can help eligible borrowers:

  • Purchase a home sooner
  • Minimize upfront cash requirements
  • Avoid monthly mortgage insurance
  • Increase purchasing power
  • Navigate high student loan balances more effectively

For many physicians and medical professionals, these programs provide a practical path to homeownership earlier in their careers.

Doctor Mortgage Financing in Maryland, Virginia & Washington DC

Brian Martucci at Capital Bank, N.A. helps medical professionals throughout:

  • Washington DC
  • Northern Virginia
  • Maryland
  • Delaware

Whether you are a resident, fellow, attending physician, dentist, pharmacist, or other qualifying medical professional, we can help you explore your financing options and determine whether a Doctor Loan Program is the right fit for your situation.