Doctor Home Loans: Home Loans Designed for Medical Professionals
Your years of training deserve specialized financing. With DFCU's Doctor Home Loan program, you can buy a home sooner and on better terms—0% down, no PMI, and qualification based on your future income, not just today's paycheck.
Physician Loan Advantages
Finally, a Mortgage That Understands Medical Careers
Traditional loans rarely fit the path of a healthcare professional. Our program recognizes your unique situation—student debt, years of schooling, and income that's about to grow significantly. That means:
100% Financing Available
No down payment required.
No Private Mortgage Insurance
Saving you hundreds each month.
Student Loans Treated Differently
Handled more favorably in our underwriting process.
Qualify on Future Income
An employment contract can serve as income proof today.
Who Qualifies
Specialized Financing for Healthcare Heroes
These mortgages aren't just for practicing physicians—they're designed to serve the entire medical community. Eligible borrowers include MDs, DOs, dentists (DDS/DMD), specialists, residents, fellows, and attendings within 10 years of completing training. If you're in healthcare, chances are you qualify.
Resident-Friendly Features
Buy During Training, Not After
Why keep renting through residency when you could already be building equity? Doctor loans allow you to close up to 90 days before your residency or fellowship ends. Employment contracts can serve as income proof, and higher-than-standard loan limits give you more flexibility in fast-moving housing markets.
Calculate Your Loan
Your Student Loans Won't Hold You Back
We know your education was an investment in your future. Instead of penalizing you for carrying medical school debt, our underwriting considers income-based repayment amounts. High debt-to-income ratios are handled with greater flexibility, so student loans don't stand in the way of homeownership.
Mortgage Calculator
Find a house payment to fit your budget with this calculator!
Estimated payoff date:
10/24/2056
Total interest:
$382,184
Total to be repaid:
$662,184
The information provided in this calculator is an estimate and is for illustrative purposes only. Its accuracy is not guaranteed, and it should not be considered financial, legal, or tax advice. There may be other costs associated with obtaining the loan not included here. Figures shown are hypothetical and may not apply to your situation. This calculator does not pre-qualify you for any loan program. Before making any financial decisions, consult with a qualified financial advisor, accountant, attorney, or other appropriate professional.
Flexible Property Options
Finance the Home That Fits Your Life
Doctor loans aren't one-size-fits-all. They can be used for primary residences, townhomes and condos near hospitals, multi-family properties (live in one unit, rent the others), or even construction financing if you're ready to build. Wherever your career takes you, there's a loan option to match.
Your Dedication to Healing Deserves Dedicated Home Financing
After years of training, long nights, and student debt, you deserve a mortgage that sees your potential—not just your current balance sheet. With DFCU's doctor loans, you'll get 0% down, no PMI, and terms built for your profession. Whether you're in residency or already practicing, let's make homeownership part of your success story.
Become a Member Today
Church members and immediate family members can join the credit union.
Available to licensed MDs, DOs, DDS/DMDs, residents, and fellows. 100% financing up to conforming loan limits; larger loans may require a down payment. No PMI required. Student loan calculations based on IBR or actual payments. Employment contract required for future income consideration. Membership and eligibility required.