Physician Mortgage Lenders in Virginia
Virginia's healthcare excellence in Northern Virginia, Richmond, Norfolk, and Charlottesville attracts physicians throughout their careers. Virginia physician mortgage programs offer no PMI, 0% down options, and competitive rates for doctors joining Inova, VCU Health, Sentara, and UVA Health.
Premier 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 National Bank of Pennsylvania (FNB) is a regional banking institution offering a physician-focused mortgage program designed to help medical professionals purchase or refinance with low to no down payment and flexible product options. This program is featured through White Coat Investor’s partner network and is structured to accommodate high-earning professionals early in their careers.
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TD Bank Medical Professional Mortgage is a home buying program with specific benefits designed to help physicians, surgeons, dentists, residents and fellows who are new to the medical field purchase a home. At TD Bank, we recognize the different stages of a medical career and the challenges presented, such as managing student loan debt.
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Lenders
BMO Bank offers a physician and dentist mortgage program designed to support medical professionals through career transitions, relocations, and early practice years. The program is supported by loan officers who specialize in physician lending and have extensive experience working specifically with doctors and dentists.
BMO treats its physician loan as a core relationship product, allowing for flexible underwriting, high loan limits, and alternative income qualification for both W2 and select 1099 physicians.
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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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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 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.