Start with your exact designation
Doctor Loan Silver’s reviewed eligibility list includes MD, DO, DDS, DMD, PharmD, DVM or VMD, DPM, PA, NP and OD. Ophthalmology and psychiatry qualify through an MD or DO. CRNAs need a DNAP or DNP for this program. Residents, fellows and interns must hold an eligible degree and meet the relevant income requirements.
Nurse practitioners have options to explore
Silver lists nurse practitioners as eligible. FCM/AMB’s updated professional list includes NPs with an MSN or DNP. This is why an older presentation or a generic “doctors only” description should not be used to rule out a profession. The lender still needs to verify the specific credential and employment.
Pink broadens the professional list
Pink’s supplied guidance also lists registered nurses, clinical nurse specialists and chiropractors, along with several other medical designations. Pink requires a down payment, so its broader professional list must not be paired with the homepage’s 100% financing feature. Optometrists appear in the lender’s public list; Sasha will confirm the exact credential requirements before you rely on eligibility.
Teal has a narrower designation list
The supplied Teal list includes MD, DO, DDS, DMD, PharmD, DVM/VMD, DPM and CRNAs with DNAP or DNP, plus eligible residents, fellows and interns. PA, NP and OD are not included in that list. Review an appropriate program for your actual profession instead of borrowing eligibility from a different product.
A degree alone does not establish eligibility
At least one qualifying borrower must earn the income being used from the eligible profession. Employment terms, credit, liabilities, cash reserves and the home also need to satisfy program requirements. Practice ownership and independent contracting can require different documentation from salaried employment.
A co-borrower’s role depends on the program
Doctor Loan Silver does not allow a non-occupying co-borrower. FCM/AMB may allow one, but that person’s contributing income cannot exceed half of total qualifying income. Tell Sasha who will live in the home and whose income you expect to use before choosing a path.
Not on this list? Start a conversation
The reviewed programs are examples, not a complete list of home-loan options. Sasha can review other eligible products for your situation. Include your professional designation and career stage in your consultation request; you do not need to send sensitive financial documents to start.
A note about this guide
Educational information, not a rate quote, lending commitment or individual eligibility determination. Programs and lender requirements may change. Information about other lenders illustrates the market and does not imply that Team Windes offers every program described.
Sources & editorial approach →Compare the reviewed medical loan programs →
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