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Doctor mortgage loans

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 optionsDisclosure 1

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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.

Some states require a preexisting depository relationship and is not available for properties located in Alaska, Arizona, Hawaii, and Oregon. Talk to a Truist mortgage professional for details. 

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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 In some states, the Doctor Loan mortgage program requires a preexisting depository relationship and is not available for properties located in Alaska, Arizona, Hawaii, and Oregon; 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 3 100% 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 4 The maximum financing available for doctors and dentists practicing between 10 and 15 years post-training is 89.99%.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

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

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

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 McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). 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 (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

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Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

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"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

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. 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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