Guild Mortgage
Program Details
Eligible professionals may include Medical Doctors (MD/DO), Dentists (DDS/DMD), Podiatrists (DPM), Veterinarians (DVM), Pharmacists (PharmD), Nurse Anesthetists (CRNA), Nurse Practitioners (NP), and Physician Assistants (PA). Residents, fellows, and attendings may qualify, depending on the program and borrower profile.
Terms
Guild Mortgage's Medical Professional mortgage is designed for doctors and other eligible medical professionals with strong earning potential who may carry student debt or limited savings after training. Program highlights:
100% financing up to $1,000,000 (zero down)
95% financing (5% down) up to $1,750,000
89.99% financing (about 10% down) up to $2,500,000
No required mortgage insurance, regardless of down payment
Student-loan debt may be excluded from the debt-to-income (DTI) calculation
Qualify on present or future employment — a signed contract can be used before you start
Minimum credit score 700
Program availability and terms vary by borrower and state and are subject to change and lender confirmation.
Strengths
Up to 100% financing (to $1,000,000; 95% to $1,750,000; about 90% to $2,500,000)
No required mortgage insurance
Student-loan debt may be excluded from DTI
Qualify on a future employment contract
A dedicated physician-lending specialist in Justin Hopkins (NMLS 1990002)
Disclaimers
Dr. Home Finance is an educational and lender-matching resource and is not a mortgage lender. Guild Mortgage is an Equal Housing Lender. Program availability, loan terms, rates, and eligibility vary by borrower and state, are subject to change, and are confirmed with the lender. Nothing here is an offer to lend.
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
ID
