Citizens Bank

Program Details

Eligible Professions

MD, DO
DDS, DMD
Residents, Fellows
PA, NP
CRNA
OD
DPM

Eligible Occupancy & Property Types

Primary residences
Second homes
Construction-to-permanent and renovation financing

Income & Student Loans

Flexible underwriting for deferred and income-based repayment student loans
Future employment allowed — loans may close up to 60 days before start date

Borrower Eligibility

U.S. Citizens
Permanent Resident Aliens
Non-Permanent Resident Aliens

Terms

Primary Residence

100% up to $1,000,000
95% up to $1,250,000
90% up to $1,500,000
80% up to $2,000,000
75% up to $3,000,000

Second Home

89.99% up to $1,250,000
85% up to $1,500,000
80% up to $2,000,000

Construction & Renovation

89.99% up to $1,500,000
85% up to $1,750,000

Additional Terms

Fixed-rate and ARM options (based on loan amount and occupancy)
No PMI
Minimum credit score: 680
Gift funds allowed for down payment and reserves

Primary Residence

100% up to $1,000,000
95% up to $1,250,000
90% up to $1,500,000
80% up to $2,000,000
75% up to $3,000,000

Second Home

89.99% up to $1,250,000
85% up to $1,500,000
80% up to $2,000,000

Construction & Renovation

89.99% up to $1,500,000
85% up to $1,750,000

Additional Terms

Fixed-rate and ARM options (based on loan amount and occupancy)
No PMI
Minimum credit score: 680
Gift funds allowed for down payment and reserves

Strengths

No limit on years in practice for established physicians
Very flexible student loan underwriting
High loan limits with tiered down payment options
Supports primary, second home, and construction financing
Gift funds allowed for down payment and reserves
Retained loan servicing and relationship-based support

Strengths

No limit on years in practice for established physicians
Very flexible student loan underwriting
High loan limits with tiered down payment options
Supports primary, second home, and construction financing
Gift funds allowed for down payment and reserves
Retained loan servicing and relationship-based support

Disclaimers

Program availability, rates, and terms are subject to change
Credit approval required and subject to underwriting guidelines
Property type, occupancy, and documentation requirements apply
Not all borrowers will qualify for maximum financing

Disclaimers

Program availability, rates, and terms are subject to change
Credit approval required and subject to underwriting guidelines
Property type, occupancy, and documentation requirements apply
Not all borrowers will qualify for maximum financing

Eligible Degrees

DDS/DMD

Fellow

Intern

MD/DO

CRNA

OTD/MOT

PharmD

DPT

DPM

Resident

= Eligible

= Not Eligible

Eligible Degrees

DDS/DMD

Fellow

Intern

MD/DO

CRNA

OTD/MOT

PharmD

DPT

DPM

Resident

= Eligible

= Not Eligible

Approved States

BANKER

No Banker Currently Available.

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