The Ascending Physician

A medical professional settling into a new home

More Buying Power as Your Career Grows

Established physicians ready to move up to their next home can finance up to $1.25M with as little as 5% down, with options on higher loan amounts as well. The program is structured around a physician's income trajectory — recognizing that today's earnings are only part of the picture.

Program highlights

  • Up to $1.25M with as little as 5% down
  • 10% down options on higher loan amounts (around $1.5M)
  • No private mortgage insurance (PMI)
  • No prepayment penalties
  • Debt ratios considered up to 45%

Who it's for

Practicing MDs and DOs who are several years into their careers and ready to purchase a larger or higher-value home. Income from a growing practice, partnership, or hospital role is recognized in underwriting.

Your next step

Tell us what you're looking for and we'll connect you with a licensed loan officer to review the numbers — with no obligation.

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