Medical Professional Loans · Oregon
Medical Professional Home Loans
for Doctors & Healthcare Professionals
Specialized physician and medical professional mortgage financing for MDs, DOs, dentists, CRNAs, and other qualified healthcare professionals in Southern Oregon and beyond.
Medical Professional Mortgage Programs for Doctors & Healthcare Professionals
The Medical Professional Loan Program is designed to make homeownership more attainable for doctors and qualified medical professionals by addressing the unique financial challenges of the profession. Particularly high student loan balances or unique employment contracts. These physician and medical professional mortgages recognize the high earning potential and job stability of medical professionals, providing favorable terms to overcome barriers like significant student debt that hinder traditional mortgages.
Stephen Harris understands the financial profile of medical professionals and works with lenders who offer specialized physician loan programs designed for your situation. These medical professional mortgage programs can offer more flexible underwriting guidelines, higher loan amounts up to $2,000,000, and structures that align with your income trajectory rather than penalizing you for your investment in education.
Whether you're a physician relocating to Medford, a CRNA purchasing your first home in Ashland, or a dentist looking at a higher-value property in the Rogue Valley, Stephen will help you navigate the physician loan options and find a medical professional mortgage structure that makes sense for your financial picture.
Eligible Medical Professional Designations
At least one borrower whose income is being used to qualify must be one of the following eligible medical professionals:
Medical Doctor (MD)
Doctor of Osteopathy (DO)
Doctor of Dental Science or Surgery (DDS)
Doctor of Dental Medicine (DMD)
Doctor of Ophthalmology (MD or DO)
Doctor of Psychiatry (MD or DO)
Doctor of Pharmacy (PharmD)
Doctor of Veterinary Medicine (VMD)
Doctor of Pediatric Medicine (DPM)
Certified Registered Nurse Anesthetist (CRNA)
Medical residents, fellows, or interns with above degrees
Requirements: Borrowers must hold a minimum of an M.D., D.O., D.D.S., D.N.P., D.N.A.P., or D.M.D. degree and have an active employment contract (or verification of terms of employment acceptance). Non-occupant co-borrowers are eligible; however, non-occupant contributing income must be less than or equal to 50% of total qualifying income.
Medical Professional Loan Program Benefits
Low/No Down Payment
Up to 100% financing available, helping preserve cash for other priorities.
Flexible Loan Options
Choice of Fixed Rate and ARM programs tailored to your financial goals.
No PMI
Eliminates private mortgage insurance, reducing monthly payments and overall cost.
Student Loan Flexibility
Borrower can qualify without including student loan debt in their DTI Ratios.
Higher Loan Limits
Loan amounts up to $2,000,000 providing increased purchasing power for physicians and medical professionals.
No Prepayment Penalty
Pay down or refinance the loan at any time without additional fees.
Important: Medical professional and physician loan programs vary significantly by lender, and not all programs are available in all situations. Program availability, terms, and qualification requirements are subject to change. This page is for general informational purposes only and does not constitute a commitment to lend. All loans are subject to credit approval, property appraisal, and underwriting guidelines. Contact Stephen directly for a personalized assessment of your situation and to verify eligibility.
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Stephen Harris NMLS #203065 | X2 Mortgage, LLC NMLS #2234467 | Licensed in Oregon, Arizona, and California. Equal Housing Lender. Not a commitment to lend. Results may vary.
Discuss Your Options
Free consultation for medical professionals · No obligation