100% FINANCING FOR MEDICAL PROFESSIONALS Your years of dedication shouldn’t require years of saving for a down payment. This exclusive program was created to help medical professionals buy or refinance a home with zero down and no mortgage insurance.
PROGRAM SNAPSHOT
Up to 100% financing available No mortgage insurance required Loan amounts up to $2,000,000
Eligible Medical Professionals Available to licensed medical professionals across a wide range of specialties, including practicing professionals and those still in training. Medical Doctor (MD) and Doctor of Osteopathy (DO) Dentist (DDS / DMD) and Doctor of Pharmacy (PharmD) Purchase and rate/term refinance eligible Manual underwriting, no AUS required Credit & Qualification Guidelines Minimum 680 FICO score Debt-to-income ratios up to 50% (45% for select products) Student loan payments may be excluded for residents & fellows Gift funds allowed with limited reserve requirements
FINANCING OPTIONS
Borrowers may choose from multiple loan structures to match long-term financial goals, with both fixed and adjustable-rate options available. Fixed-rate terms include: 15, 20, 25, or 30 years Adjustable-rate options include: 5/6, 7/6, and 10/6 ARMs All loans are fully amortizing, with no interest-only or balloon payments.
BENEFITS
This program includes several unique features designed to accommodate medical professionals with evolving income and employment structures. Employment contracts and future income accepted Non-occupant co-borrowers allowed (income limits apply) Escrows required for high-LTV loans Texas refinances available on fixed-rate terms (restrictions apply)
Veterinarian (DVM / VMD) and Podiatrist (DPM) Certified Registered Nurse Anesthetist (CRNA) Medical residents, fellows, and interns eligible
Eligible for primary residences only, including one-unit single- family homes and warrantable condos. Investment properties, second homes, manufactured homes, cash-out refinances, and non-QM loans are not permitted. Property & Occupancy Requirements
DeAnn Ellis Davidson Senior Mortgage Consultant NMLS# 148916 | GA MLO# 25670 120 Second St. Suite 100 Monroe, GA 30655 Office: 855-ELEMENT Cell (770) 616.8042 EllisMortgageTeam.com DeAnnEllis@elementhl.com
Equal Housing Lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Equal Housing Lender. MLO licensing information: AL AL FL LO117378 GA 25670 SC MLO-148916 TN 148916 . NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. © 2025 NFM, Inc. dba NFM Lending. America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. nfmlending.com. Please consult with the Loan Originator about requirements and restrictions for PMI and down payment. This promotion may vary according to the consumer’s criteria.*This product is primarily for a borrower with good credit (700 FICO or better) but a low Loan-To-Value (80% max). Debt-to- income ratios apply. Investment condos not allowed.
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