YOUR DEGREE. YOUR CONTRACT. YOUR NEXT HOME.

Find the loan path
that fits your career.

The right physician mortgage starts with your circumstances. Explore four program examples, then let’s review the details together.

Review my options with Sasha ↗Compare the programs ↓

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COMPARE THE DETAILS THAT MATTER

Four programs.
Different requirements.

These are selected features, not a complete eligibility checklist or a loan offer. Sasha will confirm current availability and the full requirements for your scenario.

The headline does not apply to every program. Silver and Teal have eligible paths to 100% financing. Pink requires a down payment and has different profession, property and income rules. Every option requires full qualification; the lowest credit threshold and highest financing level cannot be assumed to apply together.

At a glance: where your review may begin
Program	A reason to explore it	A key distinction
Doctor Loan Silver ↓	Physicians, dentists, NPs, PAs and other listed medical professionals.	Eligible paths to no down payment; non-occupying co-borrowers are not permitted.
Doctor Loan Teal ↓	Listed medical professionals who may need a co-borrower’s help.	Eligible paths to no down payment; a non-occupying co-borrower’s income share is limited.
Doctor Loan Pink ↓	A broader list that includes RNs, clinical nurse specialists and chiropractors.	A down payment is required. Eligible second homes may be considered.
FCM/AMB Medical Professional ↓	Another set of income, credential and reserve rules to compare.	Degree, financing level, loan size and income documentation determine the available path.

Silver, Teal and Pink are lender program names. Each has its own eligibility rules. These examples are educational; a personal review confirms availability and the complete requirements.

A BROADER PROFESSIONAL LIST

Doctor Loan Silver

A path to explore for physicians and a range of eligible healthcare professionals.

Professions: MD, DO, DDS, DMD, PharmD, DVM/VMD, DPM, PA, NP and OD; CRNAs with DNAP or DNP. Eligible residents, fellows and interns may qualify.
Home & purpose: An eligible one-unit primary residence for a purchase or rate-and-term refinance. Second homes, investment properties and cash-out are outside this program.
Financing feature: Up to 100% financing with no mortgage insurance may be available on eligible scenarios. Closing costs and reserves can still apply.
Credit & review: The published overview lists a 700 minimum credit score. Full manual underwriting applies; the score alone does not establish eligibility.
Someone helping you qualify: Non-occupying co-borrowers are not permitted. Eligible gift funds may help with cash needs under the program’s documentation rules.
Money kept after closing: At least two months of the subject housing payment in eligible reserves. Future income and other financed properties can require more.

Silver guidelines dated September 30, 2026; public product overview reviewed October 26, 2026.

A DIFFERENT CO-BORROWER PATH

Doctor Loan Teal

An option to explore when eligible medical income, a new contract or help from a non-occupying co-borrower shapes the plan.

Professions: MD, DO, DDS, DMD, PharmD, DVM/VMD and DPM; CRNAs with DNAP or DNP; eligible residents, fellows and interns. PA, NP and OD are not on the supplied Teal list.
Home & purpose: An eligible one-unit primary residence for purchase or rate-and-term refinance. Second homes and investments are outside this program.
Financing feature: Up to 100% financing with no mortgage insurance may be available. A 680 score is the public starting threshold, with the complete scenario subject to underwriting.
Someone helping you qualify: A non-occupying co-borrower may contribute up to half of the total qualifying income. This is an income-share rule, not a financing percentage.
Income details: Future eligible employment may start within 150 days of the note date. The separate new-contractor path has a 60-day start window and specific contract and expense requirements.
Money kept after closing: Reserve tiers vary with loan size and financing level. Future income and other financed properties add requirements. Ask for the complete scenario calculation.

Teal guidance supplied to Team Windes; public lender overview reviewed October 26, 2026. Confirm the current complete matrix for your scenario.

MORE PROFESSIONS & A SECOND-HOME OPTION

Doctor Loan Pink

A separate program for a broader professional list. A down payment is required; the homepage’s 100% financing feature does not apply to Pink.

Professions: Includes MD/DO, dental, pharmacy, veterinary and podiatry professionals, plus RN, PA, NP, CNS, DC and CRNA designations. Optometrists appear on the public lender list; exact credentials require confirmation.
Home & purpose: Eligible primary residences or second homes for purchase or rate-and-term refinance. Do not apply the primary-home financing claim to an investment property.
Financing feature: A down payment is required, with no mortgage insurance on eligible loans. The public starting credit threshold is 700. Full credit, income and property review applies.
Someone helping you qualify: Non-occupying co-borrowers may be eligible, with a lower financing cap. This differs from Teal’s income-share rule.
Income details: Eligible future employment may start within 180 days of the note date; new contractors still have a 60-day window. A partial year of prior 1099 tax reporting has its own income calculation.
Money kept after closing: The supplied guidance requires two months of housing-payment reserves above $2 million. Future income adds gap reserves. Do not assume every lower loan amount has no reserve requirement.

Pink guidance supplied to Team Windes; public lender overview reviewed October 26, 2026. Credential wording and full financing limits require confirmation.

ANOTHER PATH TO COMPARE

FCM/AMB Medical Professional

Different income, co-borrower and reserve rules may make this program worth reviewing.

Professions: MD, DO, DDS, DMD, PharmD, DVM/VMD and DPM; CRNAs with DNAP or DNP; NPs with MSN or DNP. Eligible residents, fellows and interns may qualify.
Home & purpose: An eligible one-unit primary residence for a purchase or rate-and-term refinance. Property and transaction requirements apply.
Credit & review: A 680 score is the entry point for certain scenarios. Larger loans or higher financing levels can require a higher score. Manual underwriting applies.
Someone helping you qualify: A non-occupying co-borrower may contribute up to half of the total qualifying income, subject to the remaining requirements.
Money kept after closing: The base schedule ranges from zero to six months, depending on loan size and financing level. Future income and other financed properties can require additional reserves.

Lender guidelines effective October 12, 2026, reviewed October 25, 2026. Current guidance supersedes older training materials.

An eligible professional must supply qualifying income from that profession. Loan size, credit, financing level, residency status, property and documentation can change the available terms. “Reserves” are eligible assets remaining after closing; they are separate from closing costs. A low base reserve requirement does not mean no cash is needed.

THREE QUESTIONS TO BRING TO YOUR REVIEW

New role?
Let’s look closer.

Starting a new job?

Selected programs allow eligible future employment within 150 days of the note date; Pink has a 180-day window. Contracts, verification and gap reserves still apply.

Understand the timeline ↗

New to 1099 income?

A qualifying medical contract may offer a path before a traditional income history. The separate contractor start-date window is 60 days from closing.

Review the contract path ↗

Carrying student debt?

The training-income exception is specific to eligible residents and fellows qualifying with that income. It does not exclude student loans for everyone.

See what lenders review ↗

A PERSONAL REVIEW IS THE NEXT STEP

Let’s put your
options in context.

Start with your degree, income arrangement and target move date. Sasha will explain which details need a closer look and compare other loan types when appropriate.

Start my conversation ↗

Useful starting points

Your professional designation and career stage.
Salaried, contract or practice-owner income.
Your new job’s start date, if applicable.
The California area where you want to buy.
Who will live in the home and help qualify.

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Sources & editorial approach →