Physician Mortgage Lenders in Tennessee
Tennessee
Tennessee's healthcare excellence in Nashville, Memphis, Knoxville, and Chattanooga creates opportunities for physicians nationwide. Tennessee physician mortgage programs offer no PMI, 0% down options, and competitive rates for doctors joining Vanderbilt, HCA Healthcare, and health systems throughout the Volunteer State.
Premiere Lenders
Alliant Credit Union offers an industry-leading Medical Professional Loan Program designed to support physicians and medical professionals through career transitions, relocations, and early earning years. The program is available nationwide (except Maryland) and is known for its high loan limits, flexible student loan treatment, and no private mortgage insurance.
Alliant treats its physician loan as a core lending product, allowing for consistent underwriting, conforming and non-conforming options, and flexible qualification for both new and established medical professionals.
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Atlantic Union Bank is a regional financial institution offering specialized mortgage solutions for medical and healthcare professionals. Atlantic Union provides a physician mortgage program designed to help doctors and clinicians purchase a home with flexible underwriting, low down payment options, and student loan considerations that reflect the realities of medical careers.
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First Citizens Bank offers a specialized Medical Mortgage program designed to support physicians and healthcare professionals through every stage of their careers. Through its partnership with White Coat Investor, First Citizens provides flexible underwriting, high loan limits, and low-down-payment options to help medical borrowers purchase or build their homes while preserving cash.
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First Horizon Bank offers a physician mortgage program designed for medical professionals who need flexible financing during career transitions, relocations, and home purchases in competitive markets. The program supports both early-career and established physicians, including those who do not fit traditional conventional lending guidelines.
First Horizon treats its physician loan as a core relationship product, allowing for higher loan limits, low down payment options, and fewer restrictions related to time out of training.
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Lenders
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.
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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.
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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.
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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.
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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.
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Liberty Federal Credit Union is a member-owned financial institution focused on returning value through innovative products and services.
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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.
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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.