Physician Loan Program

Home financing designed to help medical professionals build stability, stay in control, and move confidently toward financial freedom.

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The FAIRWINDS Homebuying Difference for Physicians

  • No PMI
    Reduce unnecessary costs and keep more money working toward your long‑term financial goals.
  • Physician-Friendly Qualifications
    Qualify with guidelines that support your unique career path without adding financial strain.
  • Up to 97% Financing
    Own a home sooner with responsible financing designed to support long-term financial stability.
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Why Physicians Choose FAIRWINDS

The path to becoming a physician includes years of training, intensive schedules, and financial complexity. That’s why our physician mortgage isn’t about stretching your budget or encouraging you to “buy more house.” It’s a responsibly designed home‑financing option that recognizes your career trajectory while supporting disciplined, long‑term financial strength.

Low down payment options available
Better pricing when you put down at least 10% or choose shorter loan terms
Approval guidelines that account for medical school debt and early-career timing
No Private Mortgage Insurance (PMI)

Who's This Program is For

We're proud to support medical professionals purchasing a primary residence who hold eligible medical certifications — whether employed by a healthcare system or running their own practice.

  • Doctor of Medicine, MD
  • Doctor of Osteopathic Medicine, DO
  • Doctor of Dental Surgery, DDS
  • Doctor of Medicine in Dentistry, DMD
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Loan Option Details

Fixed-Rate Mortgage
Predictable payments that support long‑term planning.

Lock in a consistent rate for the length of your loan, helping you budget and build steady equity over time — great for physicians who want predictable payments and a straightforward path to financial freedom.

Adjustable-Rate Mortgage (ARM)
Flexible early‑term rates designed for short‑term stays.

A 10/6 ARM option gives physicians who anticipate relocating, refinancing to a shorter term, or paying down their mortgage faster, a responsible way to manage early‑career transitions like residencies.

Choose the Loan Amount That Fits Your Long-Term Plan

Maximum Loan Amount

Max LTV

What This Means

$1,000,000

97%

First-Time buyers qualify for a lower down payment, keeping more money in your pocket for unexpected expenses with your first home.

$1,500,000

95%

Owned a home before or need more house? Lets put more down up front to build equity quicker!

$2,000,000

90%

Helping you keep more momentum as you build equity and plan for what’s next.

Let's Make Homeownership Happen

Talk With a Mortgage Expert

Have questions? If you need help along the way, we are here to serve you. Call 888-413-0672 and we'll get you closer to financial freedom.

    Father carrying his son on his shoulders, both smiling happily