Wintrust Physician Mortgage
Program Details
What stands out about Wintrust is its ability to offer a wide range of mortgage options while still keeping the process approachable. Whether someone is buying their first home, moving up, or purchasing after years in their career, Wintrust brings the products, pricing, and support needed to make financing feel more manageable. Their team is backed by the technology and operational support to help keep the process moving smoothly from application to closing.
With more than 65 lending offices nationwide and access to more than 175 bank branch locations, Wintrust has the footprint to serve borrowers across the country while still maintaining a relationship-driven approach.
Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank, and an affiliate of Wintrust Financial Corporation. Based in Rosemont, Illinois, the broader Wintrust family also provides community banking, business banking, wealth management, and insurance premium financing services.
Terms
No PMI (Private Mortgage Insurance) / No Prepayment Penalty / No Application Fee
Primary Residence.
Single Family
2 Units (duplex)
Condos
Down Payment Options:
0% down up to 850K
3% down 850K-1.25M
5% down 1.25M-1.5M
10% down 1.5M-2M
20% down 2M-3M
Credit Score:
740 (100%)
720 (97%)
700 (95%)
Terms:
7yr ARM and 10yr ARM
Strengths
Close 90 days before start date
No restrictions on “time out of residency”
Gifts allowed for down payments.
Special consideration on student loans
Disclaimers
Program availability varies by state and is subject to change.
Loan limits, down payment tiers, and guidelines may change without notice.
All loans are subject to full underwriting approval.
Credit, income, assets, and property eligibility must meet lender requirements.
Student loan exclusion applies only when no payment is required for the next 12 months.
Not all applicants will qualify
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
FL
CA
AZ
IL
IN
IA
MN
MT
ND
WI
MI
