Graduating Medical Student Home Loans

The loan for students planning on buying a home soon after graduation.

The Right Physician Loan for Graduating Medical Students

Graduating from medical school means you’re ready to commit to your field – and you’re looking for a contract to sign. You’re also considering where you should live and how you’ll be able to afford it.

That’s where PhysicianLoans by Huntington can help. We can make the challenges of home ownership a little easier, that may make your life a little easier too – at a time when you may need it most.

With the average medical school debt over $200,000, we can structure loans that are only available to MDs, DOs, DDSs, DVMs, and DMDs – or those on their way to becoming one.

Get Started

Just like you plan to specialize in one area, so do our professional loan officers.

  • 100% Financing - No Money Down
  • No Private Mortgage Insurance
  • No Pre-Payment Penalty
  • Close on your home up to 90+ days before beginning residency.
  • Up to 3% to 9% Seller contributions are allowed - Ask your real estate agent for details.
  • Flexible Terms - Select the loan terms that are best for you. (3-Year ARM; 5-Year ARM; 7-Year ARM; 10-Year ARM; or 15-Year ARM)

Our Easy Steps To Success

The support you need when buying a home – in just a few easy steps.
Step 1

Be Matched With A Mortgage Loan Officer

Work with an experienced Mortgage Loan Officer who can help you get the financing you need.

Get Started

Step 2

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.

Step 3

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.