Physicians
Includes specialties such as psychiatry and ophthalmology through an MD or DO.
Your profession may
open a new path.
You do not have to be an attending MD to start the conversation. Find your profession below, then see what else the lender will review.
START WITH YOUR DESIGNATIONMore professions.
More professions.
A personal review.
This list shows selected designations across the reviewed programs. Profession lists differ; Pink-only eligibility does not include the homepage’s 100% financing feature. It is an invitation to explore your options, not an approval decision.
Dentists
Your dental income and employment arrangement are part of the review.
Advanced practice
Silver lists nurse practitioners and physician assistants/associates.
Nurse anesthetists
Silver and Teal specify DNAP or DNP. Pink has separate credential requirements to confirm.
Other medical professionals
Pharmacists, veterinarians, podiatrists and optometrists may have a path.
Other healthcare professionals
Registered nurses, clinical nurse specialists and chiropractors may qualify through the Doctor Loan Pink program. A down payment is required, and full underwriting applies.
Residents, fellows & interns
Your training or employment contract and the income used must meet the program requirements.
Don’t see your profession? Other mortgage options may fit. Tell Sasha your designation and what you’re planning.
Explore my situation ↗THE REST OF THE PICTURE01 02 03 04
Four things beyond your degree.
Your professional income
At least one borrower must qualify using income from an eligible professional designation. A degree alone is not enough.
Your credit and debts
The lender reviews credit history, housing payments and recurring debts together. A minimum credit score is only a starting point.
Your available funds
Closing costs, prepaid expenses and eligible reserves may be required even when no down payment is needed.
Your home and timing
Silver and Teal focus on eligible primary homes; Pink also permits eligible second homes with different financing limits. Your property, employment start date and contract deadlines all matter.
HOW YOU ARE PAID MATTERS
Find your income path.
The most useful next question is not just “What is your job?” It is “How do you earn and document your income?”
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In residency or fellowship
Review training income, student-loan treatment and your move.
A salaried role or future start
Look at your signed agreement, compensation and start date.
New to a 1099 medical contract
See the specific minimum-income and expense requirements.
Self-employed or a practice owner
Understand tax-return, cash-flow and income-history review.
THE PROGRAM CHANGES THE ANSWEROne label.
One label.
Different lender rules.
Professional lists, minimum credit scores, reserves and co-borrower rules vary. For example, Silver does not permit a non-occupying co-borrower; Teal and FCM/AMB limit the helper’s share of qualifying income. Pink applies a different financing cap and also permits eligible second homes.
Eligible permanent and non-permanent residents may have options. Required documentation and financing limits differ. Review your circumstances securely with the loan team.
Compare program requirements ↗Based on supplied Silver, Teal and Pink guidance and lender sources reviewed October 25, 2026. Full underwriting applies. Read our source notes →
YOUR NEXT STEP
Let’s see which path fits your story.
Your degree, income and next move deserve a personal conversation.
Request my personal review ↗Or text Sasha · (805) 908-8337No credit inquiry from this form. Qualification required.