Physician Home Loans

  • Up to 95% loan-to-value (LTV)*
  • No mortgage insurance (MI)**
  • Primary residence only
  • Property types allowed:
  • 1-2 primary residence
  • PUD
  • Condominiums
  • Co-ops
  • Purchase and limited cash out refinance options available
  • Loan amounts up to $2,000,000**
  • As little as 6 months of reserves required**
  • Gift funds may be used after 5% contribution from applicants own funds
  • Future income eligible**


  • Existing medical doctors, dentists, dental surgeons, and vets who are actively practicing and are within 10 years of completing their original residency or fellowship
  • Newly licensed medical residents who are currently employed, in residency or fellowship
  • Newly licensed medical students who are about to begin their new employment/residency within
  • 60 days of closing


Financing available in Missouri, Illinois, Tennessee and Florida

*Loan-to-Value (LTVs) and Combined Loan-to-Value (CLTVs) may vary by loan amount and credit score. **Restrictions may apply. Ask your Fairway Loan Officer for details. Copyright © 2018 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. Equal Housing Lender. IL License Number 031.0054191 MO License Number 20213-MLO.

Dawn Merrick

Charlie Witzke
Loan Officer - NMLS# 400208

Please contact me for information about physician loans.