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Physician Loan

Fifth Third Mortgage recognizes the special financial and time management needs of physicians today.

Our Doctor Loan Program provides New and Established Doctors (MD, DO, or DTO) with targeted benefits and simple solutions to meet your home financing needs.

Our dedicated Mortgage Loan Originators will meet with you when and where it's most convenient for you. We have an extensive understanding of the Healthcare and Residency process and offer fixed and adjustable rate loans* with no Private Mortgage Insurance.**

Residents, Fellows & New Physicians

You are currently in residency or set to begin new residency within 90 days of the closing date OR scheduled to complete medical residency/fellowship and under contract to work within 90 days of the closing date OR have commenced work within the last 12 months with a hospital or physician.

  • 100% of the value of the home for loan amounts up to $500,000
  • 95% of the value of the home up to $1 million
  • Flexible loan terms

Established Physicians

You are a licensed doctor who has been employed as a non-Intern/Resident/Fellow for at least 12 months by a hospital or physician group or self-employed for at least 2 years as an MD, DO or DTO.

  • 100% of the value of the home for loan amounts up to $650,000
  • 90% of the value of the home for loan amounts $650,001 - $1,000,000
  • 85% of the value of the home for loan amounts greater than $1,000,000
  • Purchase or refinance options available

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*After the ARM period, it is possible that the borrower's payment may increase substantially over the remaining term of the loan.

**Terms and conditions apply. Doctor Loan Program is restricted to primary owner occupied residences only. If the borrower can document that the student loan payment is deferred for at least 12 months after closing, the student loan payment can be excluded from the Debt-to-Income calculation.

Loans are subject to credit review and approval. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, OH 45227, 1-877-841-7511, an Illinois Residential Mortgage Licensee, License No. MB 0005994, Illinois Commissioner of Banks and Real Estate, 122 S. Michigan Ave., 19th Floor, Chicago, IL 60603, (312) 793-3000. Fifth Third Mortgage Company d/b/a Fifth Third Mortgage Company Incorporated and licensed by the New Hampshire banking department, licensed by the N.J. Department of Banking and Insurances and the California Department of Business Oversight under the California Residential Mortgage Lending Act. Fifth Third Mortgage is the trade name used by the Fifth Third Mortgage Company (NMLS #134100) and Fifth Third Mortgage-MI, LLC (#447141). Fifth Third Bank, Member FDIC, Equal Housing Lender Equal Housing Lender.