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Federal Deposit Insurance Corporation
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Medical Professional Home Program

The Medical Professional Home Program is tailored to meet the needs of eligible medical professionals, making it easier to purchase a home while focusing on your career and patients.
Whether you're beginning your professional journey or looking to purchase your next home, IBC Mortgage is committed to helping make homeownership possible.

Program Benefits

Up to 100% Loan-to-Value Financing

Qualified borrowers may finance up to 100% of a home's value (LTV), helping reduce upfront out-of-pocket costs.

No Mortgage Insurance Required

Save more each month with no mortgage insurance (MI) requirement.

Loan Amounts Up to $2 Million

Access larger financing options to help meet your homeownership goals.

Flexible Debt-to-Income Requirements

Eligible applicants may qualify with debt-to-income (DTI) ratios up to 50%.

*Program availability, eligibility requirements, loan terms, and underwriting criteria apply. Financing options subject to approval.

View Borrower Eligibility Medical Professional Home Program

To qualify for the Medical Professional Home Program, at least one borrower must hold one of the eligible professional designations:

Physicians

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Psychiatry (MD or DO)
  •  Doctor of Podiatric Medicine (DPM).

Dental

  • Doctor of Dental Science or Surgery (DDS)
  • Doctor of Dental Medicine (DMD)

Eye

  • Ophthalmology (MD or DO)
  • Doctor of Optometry (OD)

Pharmacy

  • Doctor of Pharmacy (PharmD)

Veterinary

  • Doctor of Veterinary Medicine (DVM or VMD)

Other Licenses

  • Physician Assistant/Associate
  • Nurse Practitioner (NP)
  • Certified Registered Nurse Anesthetist (CRNA with DNAP or DNP)

*Medical residents, fellows, or interns with one of the above degrees qualify.

Eligibility Requirements

  • Eligible professional occupations are limited to those with established predictable income trajectories and employment stability that support the underwriting of high LTV loans with projected income.
  • Residents or fellows must have signed and guaranteed non-contingent employment contract or be a graduate from a doctoral program.
Third party written evidence of an acceptable doctorate degree is required.