Liberty FCU
Physician Mortgage Loans
Purchase, refinance, or build with a physician-focused program designed for eligible medical professionals—backed by Liberty Federal Credit Union and guided by Matthew Ramsey.
Highlights
Key Program Benefits
A streamlined mortgage option built around how physicians earn, train, and transition—so you can focus on your next move with confidence.
No PMI
Keep monthly payments focused on principal, interest, taxes, and insurance—without private mortgage insurance.
Flexible financing
Fixed-rate and ARM options available to match your timeline and goals.
Up to 100% financing
100% financing up to $1.0M; 95% financing $1,000,001–$1.5M; 90% financing $1,500,001–$3.0M.
680 minimum score
Minimum 680 credit score requirement for program eligibility.
Primary residence only
Owner-occupied primary residence only (no second homes or investment properties).
No defined DTI ratios
No defined debt-to-income ratios—guidelines are designed with physician income profiles in mind.
Overview
Program Overview
Below is one consolidated set of guidelines for the Liberty Federal Credit Union physician mortgage program.
Loan options
Fixed Rate or ARM.
Financing & mortgage insurance
No PMI. 100% financing up to $1.0M; 95% financing $1,000,001–$1.5M; 90% financing $1,500,001–$3.0M.
Credit & occupancy
Minimum 680 credit score. Owner-occupied primary residence only.
Underwriting approach
No defined debt-to-income ratios.
Eligibility
Who This Program Is For
Physician mortgage eligibility is designed for medical professionals at different stages of training and practice.
Eligible borrowers
Residents, Fellows, Newly Established Physicians, and Established Physicians.
Eligible credentials
MD, DO, DDS, DMD, OD, DP, DPM.
Where we can lend
Available in all states except Nevada, Louisiana, Rhode Island, Massachusetts, Maine, New Mexico, New Jersey, Connecticut, New Hampshire, Vermont, New York, and Chicago, IL.
Property requirements
Owner-occupied primary residence only.