Doctor Loan
Practicing Physicians or in residency may qualify for no money down and no mortgage insurance.
Question:
Question:
Are you a practicing physician or in residency and looking for a mortgage that matches up with your income potential?
Minimum Credit Score:
680
Max Debt-to-Income:
43%
Max Loan Amount:
$1,000,000*
Primary Residences 
Second Homes 
QUICK
FACTS
Minimum Credit Score:
680
Max Debt-to-Income:
43%
Max Loan Amount:
$1,000,000*
Available for:
| Primary Residences |
| Second Homes |
WHO CAN QUALIFY FOR A DOCTOR LOAN?
If you have an executed Employment Contract with a start date no later than 90 days after your loan closing date, we may be able to help you get the ideal loan product. Northpointe Bank’s Doctor Loan Program is a great solution for the following medical professions:
- Medical Doctors (MD)
- Doctor of Chiropractic (DC)
- Doctors of Dental Surgery (DDS)
- Doctors of Dental Medicine (DMD)
- Doctors of Optometry (OD)
- Doctors of Ophthalmology (MD)
- Doctors of Osteopathy (DO)
- Doctors of Podiatric Medicine (DP)
- Doctors of Pharmacy (PharmD)
- Doctors of Psychiatric Medicine (DPM)
- Doctors of Surgery (DCH)
- Doctors of Veterinarian Medicine (DVM)
*All loans are subject to credit review and approval. This is not a commitment to lend.
100% Financing
Other Doctor Loan Programs may require a higher down payment. But at Team 101 at Northpointe Bank, you can finance up to 100% of the purchase price of your new home!
Don’t Count Student Loans towards DTI
If we can show that your student loans are deferred for at least one year, they will not be counted in your debt-to-income calculation.
No PMI Options
In some situations, the Doctor Loan does not require Private Mortgage Insurance (PMI). Inquire with a Team 101 Loan Officer for more details.
Term Options:
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801.810.6503– or –
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Doctor Loan is available in the following states: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming
Why Choose 
at Northpointe Bank?
The answer is clear:
More Options. Better Pricing. Period.
Join the many satisfied Utahns who’ve gotten their mortgage loan for their dream home through Team 101 at Northpointe Bank.
Rated 4.9 out of 5
Rated 4.9 out of 5
Based on 467 customer reviews
Based on 467 customer reviews
