Truist
Program Details
Eligible Professions
MD
DO
DPM
DDS/DMD
Training Status Considered in Underwriting
Program tiers are based on:
Internship
Residency
Fellowship
Years since completion of training
Occupancy
Primary Residence Purchases
Primary Home Refinances
Terms
During Internship, Residency, or Fellowship (MD, DO, DPM)
Up to $1,000,000 — 100% financing
Less Than 10 Years Since Completion of Training
Up to $1,500,000 — 100% financing
Up to $2,000,000 — 95% financing
Up to $2,500,000 — 90% financing
10–15 Years Since Completion of Training
Up to $2,000,000 — 89.99% financing
15+ Years Since Completion (Truist Wealth tier)
Up to $2,000,000 — 89.99% financing
ADDITIONAL PROGRAM FEATURES
No mortgage insurance required
Fixed and adjustable rate options available
Student loan flexibility may apply in DTI calculations
Future employment contracts may be accepted for qualifying scenarios
Relationship pricing incentives based on total Truist relationship
Future employment contracts are acceptable for qualifying and we allow closing up to 90 days prior to new job start date
Strengths
100% financing available
Clear tier structure based on years since training
100% financing available for residents and fellows
No PMI at high LTV levels
Supports early-career physician buyers
Higher balance options with stepped LTV tiers
Disclaimers
Program availability, rates, and terms are subject to change
Credit and underwriting approval required
Training status and years since completion must be documented
Not all borrowers will qualify for maximum financing tiers
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
GA
TX
