Connect with a Banker
Reach out to one of our bankers who specializes in working with medical professionals.
Loan Solutions Designed for Medical Professionals
A home loan program built around your career
A home loan program built around your career
Reach out to one of our bankers who specializes in working with medical professionals.
We’ll review your professional credentials, financial profile, and goals to identify the loan structure that works for you.
With your demanding schedule, a pre-approval may help you move quickly when the right home becomes available.
We work to make closing as efficient as possible because your time is valuable.
Medical professionals dedicate their lives to caring for others, but when it comes to buying a home, standard mortgage products often don’t account for the unique financial realities of a medical career.
High student loan balances, delayed income starts, and demanding schedules can make the traditional mortgage process feel like it wasn’t built for you.
The Federal Savings Bank’s Medical Professionals Program is a unique mortgage option designed to address exactly that. Our program gives you access to competitive mortgage solutions that fit your life.
Most mortgage programs don’t account for the realities of your career. This one is designed with them in mind. It features:
Our program offers low-to-no down payment options, so you can buy the home you want without depleting your liquid reserves.
We know student loan debt is part of the picture for many medical professionals. Our program accounts for this in debt-to-income (DTI) calculations to more accurately reflect your financial situation.
Access competitive rates exclusive to qualifying medical professionals.
Whether you’re purchasing your first home or upgrading to a property that better matches your lifestyle, financing up to $2,000,000 is available for qualified borrowers.*
The Medical Professionals Program is available to licensed professionals in the following designations:
Not sure if you’re eligible? Contact one of our bankers, and we’ll walk you through your options.
A medical professional mortgage loan is a specialized home loan product designed for licensed healthcare providers. Unlike conventional mortgages, this program is structured to account for the unique financial circumstances of medical professionals, including high student loan debt, delayed career start, and strong future earning potential. The Federal Savings Bank’s Medical Professionals Program offers competitive rates, DTI guidelines, low down payment options, and loan amounts up to $2 million to qualified borrowers.
The program is open to a wide range of licensed medical professionals, including physicians (MD, DO), dentists (DDS, DMD), nurse anesthetists (CRNA), podiatrists (DPM), pharmacists (PharmD), optometrists (OD), physician assistants (PA), psychologists, nurse midwives (APRN), nurse practitioners (NP), and veterinarians (DVM). If you hold a qualifying professional designation and are licensed to practice, you may be eligible.
Not necessarily. One of the key features of the Medical Professionals Program is low down payment options. Qualified borrowers may be eligible to purchase a home with much less than 20% down (in some cases, 0% down), potentially helping preserve liquidity early in your career.
Student loan debt can be a big barrier for medical professionals applying for conventional mortgages. Our program accounts for this in debt-to-income (DTI), including the ability to factor in deferred student loan payments.
Potentially. The program is designed to serve medical professionals at various stages of their career, including those who have recently completed residency or fellowship. We can discuss your specific situation and help identify the right path forward.
The first step is simple. Contact one of our bankers. They’ll review your credentials and financial picture, answer your questions, and help you understand your options.
Yes. The program extends beyond physicians and surgeons. Eligible professionals include veterinarians (DVM), pharmacists (PharmD), optometrists (OD), physician assistants (PA), nurse practitioners (NP), nurse midwives, psychologists, and more. See the full eligibility list above or speak with a banker.
This information is intended for educational purposes only. Products and interest rates subject to change without notice. Loan products are subject to credit approval and include terms and conditions, fees and other costs. Terms and conditions may apply. Property insurance is required on all loans secured by property. VA loan products are subject to VA eligibility requirements. Adjustable Rate Mortgage (ARM) interest rates and monthly payment are subject to adjustment. Upon submission of a full application, a mortgage banker will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.
You’ve chosen a path that demands expertise and dedication. Your home loan should reflect that same standard. Connect with a Federal Savings Bank banker today to learn how the Medical Professionals Program might work for you.