Pharmacist Physician Mortgage

Specialty mortgages for those who earned their PharmD .

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BMO Harris Bank - Todd Dalton

5% Down to $1,500,000

10% Down to $2,000,000

BMO Harris Bank - Evans

0% Down up to $1,000,000

5% Down to $1,500,000

10% Down to $2,000,000

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BMO Harris Bank - Evans >0

5% Down to $1,500,000

10% Down to $2,000,000

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BMO Harris Bank - Crouse

0% Down up to $1,000,000

5% Down to $1,500,000

10% Down to $2,000,000

BMO Harris Bank - Crouse >0

5% Down to $1,500,000

10% Down to $2,000,000

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BMO Harris Bank Hall

0% Down up to $1,000,000

5% Down to $1,500,000

10% Down to $2,000,000

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BMO Harris Bank Hall >0

5% Down to $1,500,000

10% Down to $2,000,000

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BMO Harris Bank - Brown

0% Down up to $1,000,000

5% Down to $1,500,000

10% Down to $2,000,000

BMO Harris Bank - Brown >0

5% Down to $1,500,000

10% Down to $2,000,000

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U.S. Bank

5% down up to $1,000,000

10% down up to $1,500,000

15% down up to $2,000,000

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Key Bank 2.0

90% Loan-to-value (LTV) to $1,500,000

85% Loan-to-value (LTV) to $2,000,000

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Key Bank JM

100% Loan-to-value (LTV) to $1,000,000

95% Loan-to-value (LTV) to $1,500,000

85% Loan-to-value (LTV) to $2,000,000

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Key Bank

100% Loan-to-value (LTV) to $1,000,000

95% Loan-to-value (LTV) to $1,500,000

85% Loan-to-value (LTV) to $2,000,000

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Berkshire Bank

0% down up to $1,000,000

5% Down up to $1,250,000

10% Down up to $2,000,000

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Amplify Credit Union

5% Down to $1,250,000

10% Down up to $1,500,000

20% Down up to $1,750,000

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Evolve Bank and Trust

0% Down up to $1,000,000

5% Down to $1,250,000

10% Down up to $1,500,000

15% Down up to $2,000,000

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Evolve Bank and Trust - TK

0% Down up to $1,000,000

5% Down to $1,250,000

10% Down up to $1,500,000

15% Down up to $2,000,000

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Waterstone Mortgage

0% Down up to $726,200

Lake Michigan Credit Union

0% Down up to $1,250,000

5% Down to $1,500,000

10% Down up to $1,750,000

Loans up to $2,500,000 available

No PMI

Old National Bank

0% Down up to $1,000,000

5% Down to $1,250,000

10% down up to $2,000,000

First National Bank

0% Down up to $1,250,000

5% Down to $1,500,000

10% Down to $2,000,000

First National Bank - EE

0% Down up to $1,250,000

5% Down to $1,500,000

10% Down to $2,000,000

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City National Bank

0% Down up to $1,000,000

5% Down up to $1,500,000

10% Down up to $2,000,000

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City National Bank - PC

0% Down up to $1,000,000

5% Down up to $1,500,000

10% Down up to $2,000,000

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Cadence Bank

0% down up to $1,000,000,00

5% down up to $1,500,000,00

10% down up to $2,000,000,00

Residents are not eligible

Primary Home Only

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First Community Mortgage

0% down up to $1,250,000

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First Community Mortgage - Todd

First Community Mortgage - TB

0% down up to $1,250,000

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Warsaw Federal

0% Down financing up to $850,000

5% Down financing up to $1,250,000

10% Down financing up to $1,500,000

Fifth Third Bank

0% Down financing up to $1,000,000

5% Down financing up to $1,500,000

10% Down financing up to $2,000,000

No PMI

TD Bank

100% financing up to $1,000,000

95% financing up to $1,500,000

89.99% financing up to $2,000,000

No PMI

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Happy State Bank

0% down up to $750,000

5% down to $1,250,000

10% down to $1,500,000

15% down to $3,000,000

No PMI

First Horizon Bank

0% down up to 1,500,000

5% down up to 2,000,000

10% down up to 2,500,000

First Horizon Bank - S

0% down up to 1,500,000

5% down up to 2,000,000

Min Fico 700

Truist

0% down up to $1,000,000

5% down up to $1,500,000

10% down up to $2,000,000

Truist CH

0% down up to $1,000,000

5% down up to $1,500,000

10% down up to $2,000,000

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Truist JM

0% down up to $1,000,000

5% down up to $1,500,000

10% down up to $2,000,000

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Fulton Mortgage Company PA

Available terms 15yr & 30yr fixed or 3/1, 5/1, 7/1, and 10/1

0% down up to $1,500,000

5% down up to $2,000,000

10% down up to $3,000,000

700 minimum credit score for 100% financing

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Fulton Mortgage Company

Available terms 15yr & 30yr fixed or 3/1, 5/1, 7/1, and 10/1

0% down up to $1,500,000

5% down up to $2,000,000

10% down up to $3,000,000

700 minimum credit score for 100% financing

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Huntington Bank

100% financing up to $1,000,000

95% financing up to $1,250,000

90% financing up to $2,000,000

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GoldWater Bank

0% down up to $1,500,000

ARMs Only

Flagstar Bank

0% Down up to $1,000,000

5% Down to $1,500,000

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Flagstar - BN

0% Down up to $1,000,000

5% Down to $1,500,000

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Flagstar - Greg

0% Down up to $1,000,000

5% Down to $1,500,000

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Citizens Bank - KA

5% Down up to $850,000

10% Down up to $1,000,000

15% Down up to $1,500,000

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Citizens Bank - NS

5% Down up to $850,000

10% Down up to $1,000,000

15% Down up to $1,500,000

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Citizens Bank - BH

5% Down up to $850,000

10% Down up to $1,000,000

15% Down up to $1,500,000

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Northpointe Bank

0% down up to $1,100,000

5% down up to $1,600,000

10% down up to $1,850,000

15% down up to $2,000,000

(ARMs Only NO Fixed 30 or 15-year Available)

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Regions Bank

100% financing up to $750,000

95% financing up to $1,000,000

No PMI

Regions Bank Banterra

Regions Bank - Banterra

0% down up to $1,000,000

10% down up to $2,000,000

20% down up to $3,000,000

WinTrust

Wintrust

0% down to $850,000

3% down to $1,250,000

5% down to $1,500,000

10% down to $2,000,000

20% down to $3,000,000

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Vystar Credit Union

2% down up to $750,000 (min 660 FICO )

10% down up to $3,000,000(700 min FICO)

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Trustline Mortgage

3% down up to $766,550

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PNC

10 year ARM only NO fixed rates

5% up to $1,000,000

10% up to $1,500,000

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BBVA Residents

0% Down up to $650,000 **Limited Availability

5% up to $1.25M

10% up to $1.5M

15% up to $2M

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Susser Bank

0% down to $1,000,000

5% down to $1,500,000

10% down to $2,000,000

Westerra Credit Union

0% down to $1,000,000

5% down to $1,500,000

10% down to $2,000,000

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First Bank

$0 down up to $700,000

5% down up to $1,000,000

Sunflower Bank

0% down upto $1,250,000

5% down upto $1,500,000

20% down upto $2,500,000

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As Seen On

PharmD Physician Mortgages Explained

The PharmD physician mortgage does exist! Better yet we have compiled the banks that offer them. Here is the bare bones, no bull explanation of these specialty home loans. The pharmacist mortgages are medical professional mortgage products allowing those with PharmD to be considered! The PharmD physician mortgage products are designed with physicians in mind but several banks have extended the program to you!

There are FIVE unique ways that make physician home loans the most practical choice.

Zero Down Payment

Low or Zero Down Payment 0-10% is typical

Faster Closing

Ability to close 90 days prior to new employment beginning.

Uncounted Student Loan Debt

Student loan debt not counted against you, allowing to qualify for a nicer home.

No Private Mortgage Insurance

Saving you up to 1% annually. $10,000 per year savings on a 1 million dollar home.

Higher Loan Limit

Higher loan limits up to 5 million are available typically at the same rate