Medical Professional Programs
Doctor Program
You’re making a difference, now it’s our turn. With our zero percent down physician mortgage loan, you can become a homeowner without the wait or mortgage insurance requirement.
What is a doctor home loan program?
Our doctor or physician mortgage loan is specifically designed for medical doctors and doesn’t have a down payment requirement. Other loan options may require borrowers to provide a minimum down payment or pay for private mortgage insurance with a down payment below 20 percent – but not our home loan for physicians.
Why you should choose a physician mortgage loan
Our Doctor program opens the door to opportunities for doctors early in their careers. With flexible credit and no mortgage insurance requirements, fixed- and adjustable-rate options and loan amounts up to $2 million, we make homeownership accessible for borrowers with student loan debt.
Program details:
- Loan amounts up to $2M
- Credit scores as low as 680
- Up to 100% LTV with no mortgage insurance
- Purchase and refinance transactions
- Fixed- and adjustable-rate options
Eligible borrowers include Medical Doctors who have a minimum of a M.D., D.O., D.D.S., or D.M.D. degree and an employment contract. Medical doctors including Dentists, Podiatrists, Ophthalmologists are permitted. Veterinarians are permitted.
Disclaimer: This program is not available in all states.
Medical Professional Program
We have even more options for a wide range of medical professions to obtain financing in all states Guild is licensed to do business. If you’re still training in your medical profession and paying off student loans, our Medical Professionals program can help you achieve homeownership with a loan tailored to meet your needs.
Program details:
- Loan amounts up to $1.5M
- Credit scores as low as 680
- Up to 97% LTV with mortgage insurance
- Adjustable-rate options
- At least one occupying borrower must be within 10 years of the start of their profession (measured from residency completion date) or in residency
Eligible professionals:
- Medical Resident (educational license)
- Medical Doctor (MD)
- Doctor of Dental Surgery (DDS)
- Doctor of Dental Medicine (DMD)
- Doctor of Optometry (OD)
- Doctor of Ophthalmology (MD)
- Doctor of Pharmacy (PharmD)
- Doctor of Podiatric Medicine (DPM)
- Doctor of Osteopathy (DO)
- Doctor of Veterinary Medicine (DVM)
- Physician Assistant (PA)
- Registered Nurse (RN)
- Nurse Anesthetist
- Nurse Practitioner (NP)
- Clinical Nurse Specialist (CNS)
Become a homeowner sooner
You don’t have to wait to become a homeowner. We understand the importance of home and are here to help you get there.
If you would like to learn more about our physician mortgage loan or our medical professionals program, reach out to one of our loan officers.
All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
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Not sure where to start? Try our affordability calculator to get an idea of how much house you can afford. |
