Physicians Mortgage

A uniquely designed mortgage program for our medical and dental professionals. 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.

The Physicians Program offers: 

• Purchase of Primary Residence
• 5% Minimum Down Payment
• Up to $500 Off Closing Cost³
  • Down payment and closing costs may be 100% gifted funds
• No Private Mortgage Insurance (PMI)
• Consideration for Student Loan Debt¹

Questions? Contact Amy by text 989.399.9661, by phone 989.921.1420, or by visiting our State St location

Eligible Physicians

• Medical Doctors or Surgeons (MD, DO, DPM)
• Optometrists (OD)
• Chiropractors (DC)
• Dentists (DMD)
• Dental Surgeons (DMD, DDS)
• Pharmacists Residents & Fellows²
• Local, Experienced and Personal Service

Apply for a Physicians Home Loan

The borrower must obtain or have a membership with Health Advantage Credit Union and all required reserves must be held in the credit union prior to closing.

¹The program takes into account the potential increasing income as residents and fellowships advance in their chosen specialty and understand the considerations of their student loan debt burden and the eligibility to defer repayment. ²Health Advantage Federal Credit Union's Medical and Dental Program is available to Residents and Fellows during the term of residency or fellowship (which includes candidates accepted for Residency), or up to 60 months after residency or fellowship. ³If your mortgage loan is over $200,000 you will receive a $500 credit. If your mortgage loan is under $200,000 you will receive $250 credit.

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