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Doctor mortgage loans

The Truist Doctor LoanDisclosure 1 is how we give care back to medical professionals. Eligible physicians and dentists can buy a home with help from a team that works around your busy schedule—and plenty of benefits unique to you.

Apply now for a Truist mortgage.

Why choose a Doctor Loan?

You’ve put in hard work to practice medicine. We’ll help you find the right place to hang your lab coat at the end of the day. A physician mortgage lets you buy the home you want with a lower down payment. And having support from experienced mortgage professionals helps ease the pressures of buying while you focus on your medical or dental practice.

Features and benefits

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  • Financing for primary residences
  • Low- to no-down-payment options

Title

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Interest rate discount for Truist customersDisclosure 3
 

You may qualify for an interest rate discount based on your total deposit and investment balances. The more you have in balances with Truist, the greater the potential discount you can receive. 

Who it's for and what we offer

For licensed residents, interns, and fellows in MD, DO, and DPM programs, we offer:

  • A maximum home loan amount of $1 million.

For practicing doctors and dentists (MD, DO, DPM, DDS, DMD), we offer:

Note: Doctors with equal to or over fifteen years post training (residency/fellowship) must be part of Truist Wealth. Other products are available for non Truist Wealth clients.

Your practice comes first—we'll help ease the pressure of buying a home.

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Answers to common questions about Truist Doctor Loans

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The Doctor Loan program is a residential mortgage loan specifically created for licensed medical professionals to help make mortgage financing easier and more hassle-free. 

  • Medical Doctors (MD)
  • Doctors of Osteopathy (DO)
  • Doctor of Dental Medicine: dental surgeons, orthodontists, general dentists
  • Psychiatrists licensed as Medical Doctors
  • Doctors of Podiatric Medicine (DPM)
  • Licensed residents, interns, and fellows in MD, DO, and DPM programs

Doctors with more than 15 years post training need to be a client of, or belong to a practice that is a client of, Truist Wealth.

There is no mortgage insurance required for a Doctor Loan.

You may qualify for an interest rate discount based on your total deposit and investment balances. The more you have in balances with Truist, the greater the potential discount you can receive.

Check rates

Become a Truist Wealth client.

Create a financial plan that’s right for you—and get the most of your mortgage benefits. Start a relationship with a Truist Wealth advisor.

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Disclosure 1 The Professional Program for Doctors is not available for properties in Alaska, Arizona, and Hawaii; contact your loan officer for details. This product is available to licensed residents, interns, and fellows in MD, DO, and DPM programs and licensed physicians and dentists (MD, DO, DPM, DDS, DMD) who have completed their training within the last 15 years. Doctors with equal to or over 15 years post-training need to be members of Truist Wealth or belong to a practice that is part of Truist Wealth to be eligible for this product. 15-year restriction does not apply when refinancing an existing Truist Doctor Loan. Other program restrictions may apply; please consult your loan officer.

Disclosure 2 Student loan debt may be excluded from the debt-to-income ratio (DTI) calculation if it will be deferred for at least 12 months after closing. Reduced student loan payments in an eligible income-driven repayment program may be acceptable based on qualifying income, status of income-driven repayment plan and supporting documentation. Consult your loan officer for details.

Disclosure 3 For clients who meet specific asset balance tiers, Truist offers interest rate discounts on most mortgage loans (excluding CHIP, Bond and Assumption mortgages). The mortgage borrower must be a named account holder for the asset account to be included in balance tier calculation. Qualifying asset balances include: Truist personal checking, savings, money markets, CDs, IRAs and investment accounts held at Truist or any Truist affiliate. Certain account types are excluded from asset balance tier calculations, including commercial, business, tax-qualified annuities, ERISA, Keogh, bank collateral, foreign, fiduciary, custodial, and trust accounts in which the borrower is only listed as a beneficiary. This is not intended as an exhaustive list of eligible or ineligible accounts, which are subject to change; please talk with a Mortgage Loan Officer for questions about determining which discount tier would apply. The Truist asset account(s) used to determine rate discount eligibility must be opened and funded with the required asset amounts 7 days prior to loan closing. If the eligible balance is not available for verification seven (7) business days prior to closing, the loan must be repriced, at which point the borrower may choose to close the loan without the rate discount, or to extend the closing date for an extension fee. Please note that for purposes of determining which discount tier applies, combined asset balances must be exclusive of down payment and loan closing costs, unless evidence of sufficient funds at another institution is provided. This rate discount may not be combined with certain other discounts. The current discount tiers are shown below. As an example, if a borrower who would otherwise obtain a mortgage loan interest rate of 7.00% APR had $250,000 in qualifying asset balances, their adjusted rate, after application of the 0.375%-point discount, would be 6.625% APR. Truist may change or discontinue this discount pricing at any time without notice.

Pricing discounts based on relationship:
Minimum Relationship Maximum Relationship Relationship Pricing Mortgage Rate Discount
$100,000 $249,999.99 −0.250
$250,000 $499,999.99 −0.375
$500,000 $1,999,999 −0.500
$2,000,000 $2,999,999.99 −0.625
>=$3,000,000 >=$3,000,000 −0.750

Disclosure 4 100% mortgage financing will result in no property equity until the borrower pays down the loan principal through regular mortgage payments and/or the property value appreciates. If property values decline, you could owe more than your property’s value. Additional LTV restrictions may apply.

Disclosure 5 The maximum financing available for doctors and dentists practicing between 10 and 15 years post-training is 89.99%.

Disclosures

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Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
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  • May Lose Value

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Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

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Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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