Get the keys,
years sooner.
A mortgage built around the realities of a medical career.
Physicians, dentists, and vets spend a decade building credentials — and student debt — before they ever build equity. The Doctor Loan from Dream Key Lending is written for exactly that path: up to 100% financing, no mortgage insurance, and student-loan math that finally makes sense — so qualifying medical professionals can own a home sooner.
Built around
a medical career.
The Doctor Loan replaces the assumptions that hold medical professionals back with underwriting that fits how the profession actually works.
Little to no money down
Up to 100% financing lets qualified borrowers buy without draining their savings for a large down payment.
No mortgage insurance
MI isn't required at any down payment — which could meaningfully lower the monthly payment.
Student debt, handled
More lenient qualifying calculations treat student loans as part of becoming a doctor, not a disqualifier.
Residency-friendly
Student loan payments in deferment or forbearance may be excluded for borrowers in residency or fellowship.
Room for the right home
Loan amounts up to $2,000,000 keep larger purchases within reach for high-earning professionals.
Terms that fit
Available on 30- and 15-year fixed and 5/6, 7/6, and 10/6 ARM options, for purchase or rate-and-term refinance.
Eligible degrees
If a borrower holds one of these credentials, the Doctor Loan is on the table. Being in training doesn't disqualify them.
Program details
The terms that make the difference, in plain numbers.
Dream Key Lending
Homeownership, sooner.
Up to 100% financing, no mortgage insurance, and student-loan flexibility — the Doctor Loan from Dream Key Lending helps eligible doctors, dentists, and veterinarians open the door to a home of their own.