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Physician & Medical Professional Home Loans in Maine & New Hampshire

Medical Provider Mortgage Program

Medical Provider Doctor putting a coin into a piggy bank


Looking for a doctor loan or medical professional mortgage with little to no money down? The Medical Provider Mortgage Program offers up to 100% financing with no mortgage insurance, designed specifically for doctors, nurses, and licensed medical professionals.

This specialized physician home loan makes buying or refinancing a home easier—even with student loans.

What is a Physician Mortgage?

A  Medical Provider Loan (also called a Physician Mortgage) is a specialized home loan designed for medical professionals that accounts for high student loan debt and strong future income.

Unlike conventional loans, approval focuses more on career stability than traditional debt-to-income ratios.

Who Qualifies for a Physician Mortgage?

This program is available to licensed medical providers, including:

Doctors, Residents & Fellows

  • Medical Doctors (MD)
  • Dentists
  • Eye Doctors
  • Pharmacists
  • Physical Therapists
  • Veterinarians
  • Psychiatrists & Psychologists
  • Anesthesiologists
  • Licensed Professional Clinical Counselors
  • Occupational Therapists

Advanced Practivce Nurses

  • APRN
  • Nurse Practitioner (NP)
  • CRNA
  • CNM
  • CNS
  • Physician Assistant (PA)

Traveling doctors and nurses are not eligible.

Why Medical Professionals Choose This Loan Program

Top Benefits of a Physician Mortgage / Doctor Loan

  • Up to 100% financing (no down payment required in many cases)
  • No mortgage insurance, even above 80% LTV
  • High loan limits up to $2,000,000
  • Student loans allowed
  • Gift funds permitted
  • No borrower contribution required
  • Primary residences and second homes allowed

This is one of the most flexible doctor mortgage programs available in Maine and New Hampshire.

Our HELOANS Offer:

  • 10, 15 & 20 Year Terms
  • Primary & secondary homes up to 80% financing - Max amount $400,000
  • Low closing costs

What Documentation is Required?

  • Employment or work contract
  • State medical license
  • Standard income and asset documentation

I’ll walk you through exactly what’s needed and help simplify the process from start to finish.


Download requirement details for Northeast Home Loans' Medical Provider Program.

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Medical Provider or Physician Mortgage Guidelines

Committed to giving you all the support and guidance you need.

This medical professional home loan can be used for:

  • Home purchases
  • Rate & term refinances
  • Cash-out refinance

  • Primary residence (first-time buyers or job relocation): Up to 100%
  • Primary residence (next home purchase): Up to 95%
  • Second home: Up to 85%
  • Refinance (1–2 unit primary residence): Up to 85%

  • Minimum credit score: 675
  • Maximum DTI: 45%
  • Homebuyer education required for first-time buyers
  • Full appraisal required
  • Escrows optional (unless flood insurance required)

Primary Residences

  • 1-2 Unit Homes
  • PUD's
  • Warrantable condos

Second Homes

  • 1-Unit homes
  • PUD's
  • Warrantable condos

Not eligible:

  • Investment properties
  • Manufactured homes
  • Mixed-use properties
  • Non-warrantable condos

Doctors, Residents & Fellows

  • Up to $850,000 - 100% LTV
  • $850,001 - $1,000,000 - 95% LTV
  • $1,000,001 - $2,000,000 - 90% LTV
Eligible Nurses

  • Up to $850,000 – 100% LTV

  • ✔️ No mortgage insurance required at any level