Medical Advantage Home Loans
Designed for medical professionals. Built around your career.
Medical Advantage Home Loans are tailored specifically for today’s medical professionals, recognizing that traditional lending guidelines don’t always reflect your unique situation. With flexible qualifications and high loan limits, this program helps you purchase a home without without putting your life on hold.
More flexibility Where it Matters
Minimum 680 FICO
Just one credit score needed
Only one active tradeline required
Medical collections under $10,000 allowed
Down Payment Options
95% financing up to $2M
100% financing up to $1.5M with a 680 FICO or $2M with a 720 FICO
If you’re in a residency, fellowship, or have student loans in deferment, forbearance, or on a $0 IBR, you may be excluded from DTI when qualifying with your current training income
Who Qualifies?
Medical Advantage Home Loans are available to a wide range of medical professionals, including:
- Medical Doctors, Dentists, Veterinarians
- Pharmacists, Podiatrists, Nurse Anesthetists
- Residents, Fellows, and Interns
Employment contracts and future start dates are acceptable, making it easier to plan ahead with confidence.
Non-occupant co-borrowers are allowed, with the following guidelines:
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Co-borrower income may not exceed 50% of the total qualifying income
