Oak Leaf Community Mortgage
Program Details
Oak Leaf Community Mortgage offers a medical professional mortgage program designed to support borrowers through flexible underwriting, multiple product structures, and high loan limits. The program is structured to accommodate early-career physicians, established professionals, and self-employed borrowers with contract income.
Terms
Financing Options
100% financing up to $1,000,000
95% financing up to $1,750,000
89.99% financing up to $2,500,000
Loan Products
30-year fixed
15-year fixed
15/6 ARM
10/6 ARM
7/6 ARM
5/6 ARM
3/6 ARM
1/6 ARM
Property Types
1–2 unit primary residences
Townhomes
Warrantable condominiums
Non-warrantable condominiums
Underwriting & Income
W2 borrowers may close up to 90 days prior to start date (conditions apply)
1099 borrowers may close up to 60 days prior to start date (conditions apply)
Up to 50% DTI
680+ credit score solutions available
Refinance
Cash-out refinance financing available
Strengths
Available in 46 states (excludes Alaska, California, Hawaii, Nevada, and the District of Columbia)
No PMI
No points (unless quoted)
No prepayment penalty
No limit on time in practice
Gift funds allowed for down payment, reserves, or closing costs
Supports early-career and self-employed borrowers
High loan limits with multiple financing tiers
Disclaimers
All loans are subject to credit approval.
Terms and conditions apply.
Program terms and availability are subject to change.
Oak Leaf Community Mortgage is powered by North Shore Trust and Savings, Company NMLS #438265, Equal Housing Lender, Member FDIC.
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
AL
AR
AZ
CO
CT
DE
GA
IA
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
WI
WV
WY
BANKER
No Banker Currently Available.
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