Physician Mortgage

Eligibility for the Physician Mortgage Program

See who qualifies, which credentials are accepted, and the basic requirements for Liberty Federal Credit Union’s physician mortgage options.

Request a Quote

View Rates & Terms

Who this program is for

Designed for medical professionals who want a streamlined path to homeownership—often with low down payment options and no PMI.

Residents & Fellows

In training and preparing for your next move—purchase with a program built for your career stage.

Newly Established Physicians

Recently completed training or starting a new position—buy with flexibility as your income grows.

Established Physicians

Move-up, relocate, or refinance with a program tailored to physicians’ financial profiles.

Primary Residence Only

Owner-occupied homes only (not for second homes or investment properties).

Credentials

Eligible degrees & licenses

The physician mortgage program is available to qualified borrowers with the following credentials:

Medical Doctors

MD and DO credentials are eligible for the program.

Dental Professionals

DDS and DMD credentials are eligible for the program.

Vision Care

OD credential is eligible for the program.

Podiatry

DP and DPM credentials are eligible for the program.

Requirements

Basic eligibility guidelines

These are the core program requirements used to determine eligibility. Final approval is based on a full application and underwriting review.

Credit score

Minimum 680 credit score.

Occupancy

Owner-occupied primary residence only.

Financing options

Fixed Rate or ARM options available; No PMI.

Debt-to-income approach

No defined debt-to-income ratios (DTI evaluated holistically).

FAQ

Eligibility questions

Quick answers to common questions about who qualifies and how the program works.

Request a Quote

Ready to confirm eligibility?

Send a quick request and Matthew will review your credentials, location, and goals to help you choose the best physician mortgage option through Liberty FCU.

Email Matthew Ramsey