Atlantic Bnk Logo

Oak Leaf Community Mortgage

Dr Home Finance Verified banker badge
Dr Home Finance Verified banker badge

Program Details

Program Details

Program Details

Oak Leaf Community Mortgage offers a medical professional mortgage program designed to support borrowers through flexible underwriting, multiple product structures, and high loan limits. The program is structured to accommodate early-career physicians, established professionals, and self-employed borrowers with contract income.

Terms

Terms

Terms

Financing Options

  • 100% financing up to $1,000,000

  • 95% financing up to $1,750,000

  • 89.99% financing up to $2,500,000

Loan Products

  • 30-year fixed

  • 15-year fixed

  • 15/6 ARM

  • 10/6 ARM

  • 7/6 ARM

  • 5/6 ARM

  • 3/6 ARM

  • 1/6 ARM

Property Types

  • 1–2 unit primary residences

  • Townhomes

  • Warrantable condominiums

  • Non-warrantable condominiums

Underwriting & Income

  • W2 borrowers may close up to 90 days prior to start date (conditions apply)

  • 1099 borrowers may close up to 60 days prior to start date (conditions apply)

  • Up to 50% DTI

  • 680+ credit score solutions available

Refinance

  • Cash-out refinance financing available

Financing Options

  • 100% financing up to $1,000,000

  • 95% financing up to $1,750,000

  • 89.99% financing up to $2,500,000

Loan Products

  • 30-year fixed

  • 15-year fixed

  • 15/6 ARM

  • 10/6 ARM

  • 7/6 ARM

  • 5/6 ARM

  • 3/6 ARM

  • 1/6 ARM

Property Types

  • 1–2 unit primary residences

  • Townhomes

  • Warrantable condominiums

  • Non-warrantable condominiums

Underwriting & Income

  • W2 borrowers may close up to 90 days prior to start date (conditions apply)

  • 1099 borrowers may close up to 60 days prior to start date (conditions apply)

  • Up to 50% DTI

  • 680+ credit score solutions available

Refinance

  • Cash-out refinance financing available

Strengths

Strengths

Strengths

  • Available in 46 states (excludes Alaska, California, Hawaii, Nevada, and the District of Columbia)

  • No PMI

  • No points (unless quoted)

  • No prepayment penalty

  • No limit on time in practice

  • Gift funds allowed for down payment, reserves, or closing costs

  • Supports early-career and self-employed borrowers

  • High loan limits with multiple financing tiers

Strengths

  • Available in 46 states (excludes Alaska, California, Hawaii, Nevada, and the District of Columbia)

  • No PMI

  • No points (unless quoted)

  • No prepayment penalty

  • No limit on time in practice

  • Gift funds allowed for down payment, reserves, or closing costs

  • Supports early-career and self-employed borrowers

  • High loan limits with multiple financing tiers

Disclaimers

Disclaimers

Disclaimers

  • All loans are subject to credit approval.

  • Terms and conditions apply.

  • Program terms and availability are subject to change.

  • Oak Leaf Community Mortgage is powered by North Shore Trust and Savings, Company NMLS #438265, Equal Housing Lender, Member FDIC.

Disclaimers

  • All loans are subject to credit approval.

  • Terms and conditions apply.

  • Program terms and availability are subject to change.

  • Oak Leaf Community Mortgage is powered by North Shore Trust and Savings, Company NMLS #438265, Equal Housing Lender, Member FDIC.

Eligible Degrees

Eligible Degrees

Eligible Degrees

DC

DDS/DMD

Fellow

Intern

MD/DO

CRNA

NP

OTD/MOT

OD

PharmD

DPT

PA

DPM

DPM

RN

Resident

= Eligible

= Not Eligible

Eligible Degrees

DC

DDS/DMD

Fellow

Intern

MD/DO

CRNA

NP

OTD/MOT

OD

PharmD

DPT

PA

DPM

DPM

RN

Resident

= Eligible

= Not Eligible

Approved States

Approved States

Approved States

AL

AR

AZ

CO

CT

DE

GA

IA

ID

IL

IN

KS

KY

LA

MA

MD

ME

MI

MN

MO

MS

MT

NC

ND

NE

NH

NJ

NM

NV

NY

OH

OK

OR

PA

RI

SC

SD

TN

TX

UT

VT

VA

WA

WI

WV

WY

Member FDIC logo
Equal Lender Logo

BANKER

No Banker Currently Available.

If you work at this bank and would like to be featured here? Contact Us.

CONTACT BANK

Back to State page