Physicians Mortgage

Exclusively designed for Physicians, Dentists, Optometrists, and Chiropractors- Featuring Up to 1% APR Rate Discount*

You’ve dedicated years to education and training—now let us help you secure a home that reflects your hard work. Our Physician Mortgage Program is designed specifically for medical professionals looking to purchase a primary residence, with features that support your unique journey.

Tailored Features That Make a Difference:

• Up to 1% APR Discount*
• No Private Mortgage Insurance (PMI) Required
• Low Down Payment Options
• Flexible Underwriting That Considers Your Earning Potential
• Consideration for Student Loan Debt
• Available for Purchase of Primary Residence
• Dedicated Mortgage Experts Familiar with Your Profession

Whether you're just starting out or moving into a new home, this program offers a smart, streamlined path to homeownership—without the obstacles that traditional loans often present to early-career physicians.

This mortgage program is also available to residents and fellows during their term of residency or fellowship and takes into consideration the burden of student loan debt.

Apply for A Physicians Home Loan

Eligible Physicians

• Medical Doctors or Surgeons (MD, DO, DPM)
• Optometrists (OD)
• Chiropractors (DC)
• Dentists (DMD)
• Dental Surgeons (DMD, DDS)

Let’s Get Started

If you’re ready to purchase your next home, we’re ready to help make it happen—on terms that make sense for you.

Questions? Contact Amy Kaufmann Today

by text 989.399.9661, by phone 989.921.1420, or by visiting our State St location

Apply for a Physicians Home Loan

*APR=Annual Percentage Rate. The rate discount offer is only available through the Physician’s Mortgage program (“Program”). The Program is available Medical and Dental Professionals (i.e. Medical Doctor or Surgeon, Optometrist, Chiropractor, Dentist, Dental Surgeon) and Residents and Fellows in these professions during the term of their residency or fellowship or up to 60 months after their residency or fellowship purchasing a one-unit single family dwelling or condo that is an owner-occupied primary residence in the state of Michigan. The applicant must obtain or have membership with Health Advantage Federal Credit Union (“Credit Union”). To be eligible for the rate discount offer through the Program, the member must enroll in automatic payments to pay their eligible mortgage from their Credit Union account and maintain these automatic payments for a minimum of the initial 12 consecutive months after the consummation of the eligible mortgage. The rate discount offer varies based on the term of the eligible mortgage and may be between 0.50% and up to a 1% rate discount on the eligible mortgage rate. The Credit Union reserves the right to revoke the rate discount offer after the consummation of the mortgage if the automatic payment requirement is not met. Offer available for a limited time only. Rates, terms and conditions vary based on each member’s creditworthiness and underwriting standards. Credit is subject to approval; not all applicants will qualify. Programs, offers, rates, terms and conditions are subject to change without notice. Call the credit union for full details at 989-791-7070 ext. 3503.

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