Citizens Bank
Program Details
Eligible Professions
MD, DO
DDS, DMD
Residents, Fellows
PA, NP
CRNA
OD
DPM
Eligible Occupancy & Property Types
Primary residences
Second homes
Construction-to-permanent and renovation financing
Income & Student Loans
Flexible underwriting for deferred and income-based repayment student loans
Future employment allowed — loans may close up to 60 days before start date
Borrower Eligibility
U.S. Citizens
Permanent Resident Aliens
Non-Permanent Resident Aliens
Terms
Primary Residence
100% up to $1,000,000
95% up to $1,250,000
90% up to $1,500,000
80% up to $2,000,000
75% up to $3,000,000
Second Home
89.99% up to $1,250,000
85% up to $1,500,000
80% up to $2,000,000
Construction & Renovation
89.99% up to $1,500,000
85% up to $1,750,000
Additional Terms
Fixed-rate and ARM options (based on loan amount and occupancy)
No PMI
Minimum credit score: 680
Gift funds allowed for down payment and reserves
Strengths
No limit on years in practice for established physicians
Very flexible student loan underwriting
High loan limits with tiered down payment options
Supports primary, second home, and construction financing
Gift funds allowed for down payment and reserves
Retained loan servicing and relationship-based support
Disclaimers
Program availability, rates, and terms are subject to change
Credit approval required and subject to underwriting guidelines
Property type, occupancy, and documentation requirements apply
Not all borrowers will qualify for maximum financing
Eligible Degrees
DC
OMS
DDS/DMD
Fellow
Intern
MD/DO
CRNA
NP
OTD/MOT
OD
PharmD
DPT
PA
DPM
RN
Resident
DVM
= Eligible
= Not Eligible
Approved States
CO
CT
DE
GA
IL
IN
KS
KY
LA
MA
MD
ME
MO
MS
NC
NH
NJ
NY
OH
PA
RI
SC
TN
TX
VA
VT
WV
DC
BANKER
No Banker Currently Available.
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