Welcome AMA Members
Moving? Planning to buy a home? Need helping finding a real estate agent? PhysicianLoans and DRS Agent and/or DRS Realty make getting started easy. With one call or online request, you will be matched with a vetted and trusted loan officer and real estate agent who specialize in serving physicians.
And because we look out for the ones who look out for others, we offer home financing with less money down, no PMI, great rates, and expanded underwriting guidelines when compared to standard loans†. By using our service, not only are you getting a unique physician home loan but a knowledgeable guide through the home buying process. Our loan officers are with you from early planning stages, to pre-qualification, to final approval and closing.
We will connect you to agents familiar with the special needs, timing, and considerations that apply to physicians and their families at each career stage.
A Special Offer for AMA Members
AMA members who buy a home using either the physicians mortgage loan or the real estate agent matching services have the option to receive reimbursement of up to three months of a home warranty plan. Members using PhysicianLoans for financing should contact their mortgage loan officer for additional details. Members who use only the real estate agent matching services should contact their representative at DRS Agent and/or DRS Realty for additional information.Get Started
Our Easy Steps To SuccessThe support you need when buying a home – in just a few easy steps.
Pre-Qualify for a Loan
Your Loan Officer will provide a free Pre-Qualification so that you can begin your search for the place you will call home.
The Mortgage Process
With your Mortgage Loan Officer by your side, you’ll have someone with you to help simplify the process and answer any questions.
† Program only available to medical doctors who have a minimum degree of M.D., D.O., D.M.D., D.V.M., or D.D.S. and proof of sufficient income or active employment contract with proof of sufficient income and reserves. Minimum reserves required vary depending on amount of the loan. Maximum loan amount at 100% financing is $1,000,000, at 95% financing is $1,250,000 and 90% financing is $2,000,000. Loan-to-value (LTV) financing options vary based on customer FICO score. Maximum overall loan amount is $2,000.000 with a maximum overall cash out option of $250,000 for refinances. Program is limited to the purchase or refinance of a primary residence. All loans are subject to application and credit approval, satisfactory appraisal and title insurance.
‡ Real estate agent matching services are provided by DRS Agent and/or DRS Realty. DRS Agent and DRS Realty are not affiliated with Huntington National Bank ("HNB") or PhysicianLoans. Neither the services provided by HNB and/or Physician Loans nor the services provided by DRS Agent and/or DRS Realty are required in order to obtain services from the other.