Physician Mortgage
Program overview for physicians
A streamlined physician mortgage program through Liberty Federal Credit Union—designed for eligible medical professionals who want flexible financing for purchase, refinance, or construction-to-permanent.
Guidelines
Core program highlights
One consolidated set of guidelines for purchase, refinance, and construction-to-permanent options.
No PMI
No private mortgage insurance required—helping keep monthly payments predictable.
Up to 100% financing
100% financing up to $1.0M; 95% from $1,000,001–$1.5M; 90% from $1,500,001–$3.0M.
Fixed or ARM
Choose a fixed rate or an adjustable-rate mortgage based on your timeline and goals.
680 minimum score
Minimum 680 credit score requirement.
Primary residence only
Owner-occupied primary residence only.
Flexible underwriting
No defined debt-to-income ratios—guidelines are designed to fit physician income profiles.
Details
How the program works
Use this overview to understand the basic structure. For exact pricing and scenario-specific details, request a quote.
Eligible borrowers
Residents, Fellows, Newly Established Physicians, and Established Physicians.
Eligible credentials
MD, DO, DDS, DMD, OD, DP, DPM.
Loan purposes
Purchase, refinance, and construction-to-permanent financing for qualified borrowers.
Availability
Available in all states except Nevada, Louisiana, Rhode Island, Massachusetts, Maine, New Mexico, New Jersey, Connecticut, New Hampshire, Vermont, New York, and Chicago, IL.
Construction-to-permanent highlights
Building a home? The physician construction-to-permanent option keeps the process straightforward while you focus on your career and your build.
Benefits include a simplified builder review and an automatic/free rate float-down upon home completion (when available).
Quick questions
Common items physicians ask about when comparing options.
Is PMI required?
No—this program offers financing options with no private mortgage insurance.
What credit score is needed?
A minimum 680 credit score is required.
Is this for primary residences only?
Yes—owner-occupied primary residence only.
Do you have strict DTI limits?
There are no defined debt-to-income ratios; your full profile is reviewed.
What loan amounts can be financed?
100% financing up to $1.0M; 95% from $1,000,001–$1.5M; 90% from $1,500,001–$3.0M.
Where is the program available?
Available in all states except NV, LA, RI, MA, ME, NM, NJ, CT, NH, VT, NY, and Chicago, IL.