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Highlands 100% LTV Dr. Loan Program with No MI

Highlands 100% LTV Dr. Loan Program with No MI

Attention Medical Professionals

You may qualify for our no down payment mortgage program!

Eligible Professional Designations:

  • Medical Resident
  • Medical Doctor (MD)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Ophthalmology (MD)
  • Doctor of Osteopathy (DO)
  • Medical Fellow
  • Doctor of Dental Surgery (DDS)
  • Doctor of Optometry (OD)
  • Doctor of Podiatric Medicine (DPM)
  • Pharmacist (RPH) (Requires a Pharm D or small down payment required)
  • Doctor of Veterinarian Medicine (DMV)
  • Chiropractor (DC) – Small Down Payment Required

Guidelines Overview

(additional guidelines may apply based on qualifying criteria)


  • Minimum Loan Amount $100,000
  • Maximum Loan Amount $750,000
  • No Subordinate Financing
  • Certain restrictions apply if using gifts or grants
  • Minimum Credit score with no down payment is 740 (ask about options for down payment)
  • Student Loan debt belonging to the borrower within the eligible profession may be excluded from the debt to income calculation with documented deferment or forbearance for at least 12 months.
  • Employment may begin 90 days after note date contingent upon fully executed (accepted) employment letter
  • Verbal verification of employment verifying authenticity of fully accepted offer is required
  • 6 months PITI reserves required (gift may be used for reserves if min credit score is 740, MAX DTI is 41%
  • Small down payment may be required based on qualifying criteria
  • An escrow account is required for taxes and insurance
  • No 30-day late payment on mortgage or rental payments
  • Debt to income ratios not to exceed 41-43% based on qualifying criteria


The information provided here is for educational purposes. When interest rates and loan program information are included, it is for illustration purposes only and not a solicitation or quote for services. This is not an advertisement or loan estimate. Current interest rates, loan programs and qualification criteria can change at any time.

Ready for the next step? Apply now to get started.