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Mortgage Products for Doctors and Dentists

You’ve worked hard to earn your medical degree, so we think you deserve a pain-free mortgage experience!

 
That’s why Stearns Lending offers exclusive financing options designed specifically for new doctors and dentists, even if you’re still in residency or completing a fellowship. 1 If you have student loan payments that are in a period of deferment or forbearance, they may be excluded from your debt-to-income (DTI) ratio, which could help you qualify for a larger mortgage.

General guidelines for this home financing program are as follows: 2
  • You must have completed your M.D., D.O., D.M.D. or D.D.S.
  • You must currently be in—or have recently completed—your residency or fellowship.
  • The mortgage must be for your primary, single-family residence.
 
We know you’re busy, but getting home financing is quick and easy when you use the Stearns Digital app. Available for both Apple and Android devices, you complete the application process right from your phone, tablet or laptop­ on your own schedule.
 
Simply snap a few photos, securely upload the images, answer a few questions and click submit. Of course, we’re always happy to provide as much personal support as you want—including a screen sharing option—but most of our clients love zipping through the app at their own convenience.
 
You can also use Stearns Digital to get pre-approved so you’ll be armed with powerful buying power when you start shopping for a home.
 

 
1Doctor Loans from Stearns Lending, LLC, are for qualifying medical doctors (MD and DO) and dentists (DDS and DMD). 
2 Program Restrictions Apply

 
 
- By Stephanie Clark , Dec 04, 2018



 
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