Home loans formedical professionals
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.
Get StartedProgram at a glance
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.
Medical residents, fellows, and interns holding any qualifying degree above are eligible — for example, an MD Resident or a DO Fellow.
Additional eligible professions
The program has expanded. These professions qualify under select Doctor Loan programs.
Eligibility varies by program. The degrees in the first group qualify across all Doctor Loan programs. Professions marked "Select programs" or "Limited programs" qualify only under certain Doctor Loan programs, and the financing, maximum loan amount, credit, mortgage insurance, and other terms available may differ from those shown on this page. Your loan officer will confirm which program, if any, fits your credentials.
Program details
The terms that make the difference, in plain numbers.
Homeownership, sooner.
Up to 100% financing, no mortgage insurance, and student-loan flexibility — the Doctor Loan from Dream Key Lending helps eligible doctors, dentists, veterinarians, and other qualifying medical professionals open the door to a home of their own.
Contact Dream Key Lending
Talk with a loan officer about the Doctor Loan — no pressure, no obligation.
Gilbert, AZ 85298