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.

Flagstar Bank is historically one of the largest lenders in the United States, ranking among the top 10 nationally for residential mortgage origination. Flagstar is licensed to lend in every state and offers relationship pricing for Private Clients with loan amounts up to $10 million. The bank provides flexible professional mortgage programs designed for doctors, attorneys, certified public accountants, and other qualifying professionals seeking low down payment and competitive rate options.

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.

TD Bank is one of the 10 largest banks in the United States, serving more than 9 million customers through a full range of retail, small business, and commercial banking products and services. TD operates along the East Coast with locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas, and Florida, and is headquartered in Cherry Hill, New Jersey. TD Bank offers physician loan financing with low down payment options, no PMI, and future income acceptance.