Your Medical Career
Deserves a Home to Match
A specialized home loan program for physicians, dentists, and medical professionals — with up to 100% financing, no mortgage insurance, and qualification using your offer letter alone.
Built for the Way Doctors Buy Homes
Up to 100% Financing
Zero down payment may be available — buy your home without depleting savings.
No Mortgage Insurance
Skip the monthly PMI that most low-down-payment loans require.
Loans Up to $2,000,000
Purchase the home that matches your career trajectory and lifestyle.
Offer Letter Qualification
Qualify with your signed employment contract — no pay stubs needed.
Student Loan Flexibility
Deferred student loans may be excluded from your debt-to-income ratio.
Multiple Loan Options
Fixed-rate and adjustable terms from 15 to 30 years.
Who Qualifies
Ideal For You If
Four Simple Steps
Connect With Us
Reach out through your Serve First Realty agent or contact us directly.
Get Pre-Qualified
We review your eligibility and help structure the best loan for your situation.
Find Your Home
Your agent helps you find the perfect property while we handle the financing.
Close & Move In
We ensure a smooth transaction so you can focus on your medical career.
Frequently Asked
Yes. If you have a signed employment offer letter with a start date within approximately 150 days, you may qualify using your future income rather than current pay stubs.
Not necessarily. Up to 100% financing may be available depending on your qualifications, meaning you could purchase with zero down.
Student loans in deferment may be excluded from your debt-to-income calculation, making it easier to qualify even with significant educational debt.
A minimum FICO score of approximately 680 is typically required, along with at least one tradeline with 24 months of history.
Yes, this program is designed for owner-occupied primary residences only — single-family homes, warrantable condos, and PUDs.
Ready to Get Started?
Connect with a Serve First Realty agent to discuss your eligibility and take the first step toward homeownership — even before your first paycheck.
Contact Us Today
All loan programs and services brokered by and provided through Ashlar Lending, Inc., NMLS #2699657