A Home Loan Built for Medical Professionals

Most physicians, dentists, and veterinarians don't hit their prime home buying years the way other professionals do. Years of training, licensing exams, and student loans push things back, and traditional mortgage guidelines are built around steady, well-documented income that doesn't really reflect how a medical career actually works. Income tends to ramp up fast, it just starts later.

That's the gap AMP Mortgage's Medical Professional Home Loan program is meant to close.

Who It's For

This program is available to Physicians (MD/DO), Dentists (DDS/DMD), Veterinarians, Pharmacists (PharmD), Podiatrists (DPM), and Specialists in Ophthalmology and Psychiatry, along with CRNAs holding a DNAP or DNP. Residents, fellows, and interns with an eligible degree who are in active practice can qualify too, so you don't have to wait until you're years into your career to buy a home.

What Makes It Different

• Up to 100% financing, no down payment required for qualified borrowers

• Loans between $100K and $2MM, with no mortgage insurance required

• Minimum 680 FICO score to qualify

• Available for both purchase and rate & term refinance

• A flexible approach to student loans, since most medical careers come with them

• Ability to qualify using future or structured income, which helps residents and fellows whose earning potential is about to change

• Eligible on single-family residences, PUDs, warrantable condos, modular homes, and properties up to 40 acres

  
  

Why It Matters

Buying a home shouldn't have to wait until every loan is paid off or a few years of tax returns have piled up. This program treats training, licensure, and earning trajectory as real qualifications instead of obstacles.

Talk to an Account Executive

Every borrower's situation is different, and eligibility depends on credit, loan-to-value, documentation, and occupancy requirements. If you're a physician, dentist, veterinarian, or resident thinking about buying or refinancing, reach out to an AMP Mortgage account executive for a pre-qualification.