Giving back to those who serve the community

Helping New Doctors Achieve Their Home Ownership Dreams

United Home Loans offers a fantastic loan program to help new doctors purchase their first home and overcome many of the obstacles that they may face.

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Loan Highlights

  • Low and NO down payment available
  • Loan amounts up to $2,000,000
  • No PMI for loan amounts up to $750,000
  • 15/1, 10/1, 7/1, 5/1 adjustable-rate terms available
  • Available for 1-2 unit primary residences
  • Deferred student debt cloud be excluded from payment ratios

Eligible Borrowers

  • Medical doctors (MD)
  • Doctors of dental science (DDS)
  • Doctors of dental medicine or surgeons (DMD)
  • Doctors of optometry (OD)
  • Doctors of ophthalmology (MD)
  • Doctors of osteopathy (DO)
Payment, Rate and APR Assumptions

Payment, rate, and APR example for the zero down doctor loan program listed above:  At a purchase price of $750,000 with $0 down, a 10-year adjustable-rate mortgage with an initial 6 month fixed-rate period (10yr/6mo SOFOR ARM) with an interest rate of 3.125% / 3.224% APR, would require principal and interest payments of $3,264.05. No mortgage insurance required. Does not include taxes and insurance. Actual payment with those items will be higher. Scenario assumes a 740 credit score, 100% loan to value, 60-day lock period, and zero points for an owner-occupied, single-family detached home which will be used as a primary residence. APR stands for annual percentage rate. Additional requirements must be met. Subject to underwriting approval. Not all applicants will qualify. This is not a commitment to lend.