Physician Home Loan Program

City 1st Mortgage offers financing designed for doctors, dentists, optometrists, and oral surgeons who will be finishing their training or have practiced for less than one year.

(866) 655-0466

Doctor Home Loans

We are pleased to offer financing assistance for doctors, dentists, optometrists, and oral surgeons who will soon be finishing their training or have been practiced for less than one year.

Under our New Physician Loan Program, student loans that will be deferred for at least 12 months after the closing date will not be counted as part of the borrower’s debt-to-income ratios. Plus, future earning are factored into the application making it easier to qualify!

Call us today for a free consultation and to see if you may qualify – (866) 655-0466

Request Additional Information

  • This field is for validation purposes and should be left unchanged.

Note: We also have great conventional and jumbo programs for physicians who have been practicing for over a year.

Doctor Loan Program Highlights

Our Doctor Loan program offers a low down payment solution for purchasing property to be used as a primary residence. Borrowers may also use the program to refinance to a lower interest rate (no cash out refinancing is allowed).

If you would like to learn more about our Physician Loan Program, please complete the form above or call us today!

(866) 655-0466

Additional Features Include

  • Minimum 720 FICO score required
  • 30 year fixed rate mortgages and 5/1, 7/1, 10/1 adjustable rate mortgage (ARM) options
  • Low down payment solutions
  • Primary residences only
  • Lender and borrower paid mortgage insurance allowed

Equal Housing Lender  | © 2019 City 1st Mortgage Services, LLC. | Company NMLS ID 3117 | NMLS Consumer Access
Privacy Notice | Terms | Texas Consumer Complaint Disclosure
City 1st Mortgage Services, LLC. ( is an equal opportunity lender, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Equal Housing Lender Logo