First Citizens Bank offers a physician mortgage program designed for medical professionals seeking flexible, high-balance financing with no private mortgage insurance. The program supports both early-career and established physicians and allows for alternative treatment of student loan debt, future employment income, and tiered down payment structures for higher loan amounts.

This program is built to accommodate doctors purchasing or refinancing primary or secondary homes, as well as those building new homes through construction-to-permanent financing.

Fifth Third Bank offers flexible lending solutions for physicians and high-income professionals by evaluating each client’s full financial picture and tailoring loan options to fit their goals. The bank supports a wide range of purchase, refinance, and construction scenarios, making it a strong option for borrowers with complex income or property needs.

First Community Mortgage provides a wide range of mortgage solutions for medical professionals, offering flexible underwriting and high loan limits tailored to physicians and healthcare borrowers. The program is designed to support residents, fellows, and established providers, including those with contract income, 1099 earnings, and non-traditional financial profiles. First Community Mortgage also offers financing to non-permanent residents with lawful work authorization, subject to standard guidelines.

Genisys Credit Union offers custom-tailored physician mortgages with loan amounts up to $5,000,000. The program uses a common-sense underwriting approach based on the borrower’s demonstrated ability to repay. Genisys is a full-service financial institution offering deposit, auto, and mortgage products, with a specialty in high-end mortgage lending.

Green State Mortgage is a boutique lender with access to competitive rates and mortgage programs. The company focuses on tailoring lending solutions to meet each borrower’s individual needs.

Liberty Federal Credit Union is a member-owned financial institution focused on returning value through innovative products and services.

Novus Home Mortgage offers a home loan program for medical professionals designed to help borrowers purchase a home early in their careers, including before starting a new job. Novus is a nationwide portfolio and correspondent lender with in-house underwriting, allowing for faster and more flexible loan processing.

Oak Leaf Community Mortgage, powered by North Shore Trust and Savings with over 100 years in banking, provides mortgage solutions designed around each borrower’s unique scenario. The company focuses on identifying the optimal financing structure through expanded access to a wide range of mortgage options, with a strong emphasis on communication, service, and on-time execution.

PhysicianLoans originated as a family business in 1993 and grew into one of the most trusted brands for doctors in the physician loan space. The company specializes in financing for medical professionals and is an approved member benefit for the AMA, AOA, and SOMA. Their loan officers focus exclusively on physician financing and provide guidance, expertise, and customer service rather than high-pressure sales.