DOCTOR LOAN PROGRAM · PURCHASE OR RATE-AND-TERM REFINANCE
Qualify On Your Contract,
Not Your Pay Stubs.
STUDENT LOANS MAY NOT HOLD YOU BACK.Eligible residents and fellows may qualify with a $0 student-loan payment counted toward DTI, subject to program guidelines.
For eligible medical professionals buying a primary residence or second home. A signed employment contract may be used for qualifying up to six months before your start date.
THE RIGHT FINANCING. THE RIGHT HOME. ONE COORDINATED PLAN.
UP TO 100% FINANCING · MEDICAL PROFESSIONALSRESIDENTS, FELLOWS & INTERNS WELCOMEAL · FL · GA · LA · TN · TX
DESIGNED FOR ELIGIBLE MEDICAL PROFESSIONALS
More than a home loan.
A plan built around your next move.
Whether you are starting a new position, in residency or fellowship, or already established, this program may recognize your earned income and professional path.
CHECK MY OPTIONS →How student loans are counted
Loans in deferment, forbearance, or reporting $0 under an Income-Driven Repayment plan may be excluded from DTI when the borrower is an eligible resident or fellow qualifying with residency or fellowship income.
For other applicants, the lender uses 0.5% of the outstanding balance, a fully amortized repayment amount, or the documented proposed payment, as applicable.
Up to 100%
Financing
Qualified medical professionals may have a route to homeownership with little or no down payment required, subject to the applicable program.
Built around
your career
Eligible credentials include physicians, nurses, advanced practice clinicians, dentists, pharmacists, veterinarians, residents, fellows, interns, and other designated professionals.
One team.
Your move.
Reginald guides your financing. Brittny handles your real-estate plan in Louisiana and Georgia—or helps connect you with a local agent where you're buying.
Up to 100% financing, program features, eligibility, rates, terms, loan amounts, credit requirements, property requirements, and availability are subject to lender guidelines, underwriting, borrower qualifications, and change. Not all applicants will qualify.
YOUR HOMEOWNERSHIP TEAM
THE PLAN DOESN'T STOP AT APPROVAL.
Get clear financing guidance—and real estate support that follows you to the market where you are buying.
YOUR REALTOR & REAL ESTATE CONCIERGE
Brittny McKay
REAL ESTATE BROKER | MULTI-MILLION DOLLAR PRODUCER
Brittny represents clients directly in Louisiana and Georgia. In Reginald's other licensed states, she can connect you with a trusted local real estate agent and stay available as a resource.
Brittny McKay Real Estate1901 Manhattan Blvd. D-3230
Harvey, LA 70058
504-517-5151 or 855-841-HOME
Louisiana & Georgia licensed
brittny@brittnymckay.com
YOUR MORTGAGE BANKER
Reginald Masters
MASTERS HOME MORTGAGE
Reginald reviews qualifying medical-professional financing options, purchasing power, application requirements, and the mortgage process through closing.
NMLS #833985 | Masters Home Mortgage NMLS #1643634Licensed in AL • FL • GA • LA • TN • TX
678-938-7932
reginald@mhmteam.com
Brittny McKay Real Estate/Keller Williams Cityside and Masters Home Mortgage are separate companies. Consumers are not required to use either professional or company in order to work with the other.
WHO MAY BE ELIGIBLE
Is your credential on the list?
- 01Medical Doctor (MD)
- 02Doctor of Osteopathy (DO)
- 03Doctor of Dental Science or Surgery (DDS)
- 04Doctor of Dental Medicine (DMD)
- 05Doctor of Ophthalmology (MD)
- 06Doctor of Optometry (OD)
- 07Doctor of Pharmacy (PharmD)
- 08Doctor of Psychiatry (MD or DO)
- 09Doctor of Veterinary Medicine (DVM or VMD)
- 10Doctor of Podiatric Medicine (DPM)
- 11Certified Registered Nurse Anesthetist (CRNA)
- 12Registered Nurse (RN)
- 13Physician Assistant (PA)
- 14Nurse Practitioner (NP)
- 15Clinical Nurse Specialist (CNS)
- 16Chiropractor (DC)
- 17Medical resident, fellow, or intern with one of the above degrees
PROGRAM HIGHLIGHTS
READY WHEN YOU ARE
Start with the part you need most.
Choose a secure financing conversation with Reginald or let Brittny know where your home search is headed.
MEDICAL HOME FINANCING FAQ
Clear answers before your next move.
Can medical professionals qualify for a mortgage before starting a new job?
Eligible medical professionals may be able to qualify with a signed employment contract or offer letter up to 180 days before their start date, subject to lender guidelines and underwriting.
Do student loans count when qualifying for a medical-professional mortgage?
For eligible residents and fellows qualifying with residency or fellowship income, student loans in deferment, forbearance, or reporting a $0 payment under an Income-Driven Repayment plan may be excluded from debt-to-income calculations. Other applicants are evaluated under the applicable lender guidelines.
Who may be eligible for the medical-professional home loan program?
Eligibility may include physicians, dentists, pharmacists, veterinarians, nurses, advanced practice clinicians, chiropractors, and eligible medical residents, fellows, and interns. Qualification depends on the full borrower profile and program guidelines.
Is up to 100% financing available for medical professionals?
Up to 100% financing may be available to qualifying medical professionals. Loan terms, credit, property, income, occupancy, and underwriting requirements apply; not all applicants will qualify.
Which states does this medical-professional program serve?
Reginald Masters is licensed to discuss qualifying mortgage options in Alabama, Florida, Georgia, Louisiana, Tennessee, and Texas. Brittny McKay represents real-estate clients directly in Louisiana and Georgia and can coordinate a trusted local-agent connection in the other states served.
LET'S BUILD YOUR REAL ESTATE PLAN
WHERE ARE YOU BUYING?
This form goes to Brittny's real-estate team. Please do not include SSNs, account numbers, bank statements, tax returns, or other financial documents.