First National Bank

Here are some of the highlights and parameters of our program. Keep in mind that if you do not fit these criteria perfectly, we do allow for exceptions on a case by case scenario. 

Eligible Doctors/Dentists: MD, DDS, DMD,OD, DPM, DO, Veterinarians

• 100% Financing up to $1.25 million
• 95% Financing up to $1.5 million
• 90% Financing up to $2 million

• 100% financing up to $1 million
• 90% financing up to $1.5 million

• 20% down payment required
• Max Loan amount of $1.5 million

• 15% down payment required
• Max loan amount of $1.5 million
• Condos and Second homes NOT permitted

• 30, 25, 20, 15, 10-year fixed
• 15, 10, 7, 5 year ARMs (SOFR index)

No Private Mortgage Insurance

• Single Family Home
• Low-Rise Condos (7 stories max)
• PUD
• Townhomes (fee simple)

• *CAN close up to 90-day PRIOR to employment start date
• *Acceptable Visa-types: H1B
• *Gift funds: Acceptable for closing costs and Down Payment
• *1099 Contracted Income is acceptable (upon review of employment contract/financials)

All of the loan officers listed here specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

For more information from our National, Regional and Local Physician Lenders please fill out the form below. We will contact you shortly to go over the best doctor program in your State.