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97% Financing for Match Day Home Buying! 👩‍⚕️👨‍⚕️🏡

Kat Sellis, MBA

Kat and her team are hard working agents with Real Brokerage, in beautiful East Bay of Northern California surrounded by Napa Wine Country, San Franci...

Kat and her team are hard working agents with Real Brokerage, in beautiful East Bay of Northern California surrounded by Napa Wine Country, San Franci...

Feb 7 4 minutes read

With Match Day just around the corner, we asked Erik Oberbruner, Senior Mortgage Consultant, to tell us more about the Doctor Mortgage Program that is designed specifically for students beginning Residency and even practicing Physicians!

Borrowers eligible for this Program are Resident Doctors, Dentists, and Doctors in the Medical or Dental Profession. Many borrowers have outstanding student loans and are interested in securing a home before beginning permanent employment.

This Program will begin in a few short weeks! 

Here are the Program’s Features: 

  • Open to Medical Physicians, including Residents, Fellows, Doctors of Dental Medicine (DMD/DDS), or Doctors of Osteopathy (DO)
  • Proof of valid employment agreement or minimum three years self-employed
  • Fixed rate and adjustable rate available
  • Private Mortgage insurance not required
  • Loan to Value (LTV) up to 97% in stable markets
  • Only available for Primary Residences, Single-Family Residences, and Townhomes


"Whether you are a seasoned Physician or just beginning Residency, our Doctor Mortgage Program was designed specifically with you in mind. If you are entering these Medical Professions, you are in a unique life stage with outstanding student loans. These characteristics make qualifying for a Mortgage difficult under conventional Mortgage guidelines. As a result, these borrowers need the ability to exclude deferred student loans from the qualification process, and close on the loan using future employment verified through employment contracts with this Program" -Erik

1. Can I qualify for this program if I just signed a contract to begin work 2 months from now?

Erik: Yes, income from employment contracts reflecting a start date within 60 days of loan closing can be used for loan qualification purposes. Additional requirements may apply.

2. What is the difference between a Doctor Mortgage Loan and a Conventional Loan? 

Erik: A Conventional Loan Requires a larger down payment and Private Mortgage Insurance. A Doctor Mortgage Loan allows for a LOW down payment and does NOT require Private Mortgage Insurance.  

3. Will Student Loan balances and payments count against my debt-to-income ratio?

Erik: Student Loan payments may be excluded from the debt-to-income ratio if the student loans are deferred or in forbearance >12 months from the closing date. 

If this sounds like a fit for you, Contact Erik Today!!


As with all loans, additional requirements and details may apply. Contact Erik Oberburner for details! All loans subject to qualification, required documentation and credit approval. Certain exclusions may apply. Loan terms and availability subject to change.

🎉Congratulations Doctors!!🎉

Any Questions?

We'd love to answer them!

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