Close your deal with 0% PMI and up to 100% financing—even with $300K student loans.
✅ Up to 100% LTV, zero mortgage insurance (no PMI) ✅ Loans up to $2,000,000 for primary residences ✅ Qualify on a signed contract or residency income—start date ≤150 days after closing ✅ Student loans in deferment or IBR excluded from DTI for residents/fellows ✅ 680+ FICO can get 95%‑100% LTV; 720+ FICO gets full 100% LTV
Your buyer must hold an eligible medical degree (MD, DO, DDS, DMD, PharmD, DVM/VMD, CRNA, etc.) and provide a fully executed employment contract or residency verification. The loan requires a minimum LTV of 90.01%, primary‑residence one‑unit, and reserves based on loan size and LTV. Our team handles the manual underwrite and rates are locked via Optimal Blue.
Message me now to run the numbers.