Home Loans Designed for Medical Professionals

A career in medicine doesn’t follow a straight path — and your home loan shouldn’t have to, either.

From long hours and years of training to complex income structures and career moves, medical professionals face unique challenges when it comes to buying or refinancing a home. So, here at Atlantic Bay, we offer loan programs designed specifically for medical professionals, with flexibility built in to support where you are today and where you’re headed next.

Why Medical Professionals Need a Different Kind of Loan

Medical careers so often look different on paper than traditional nine-to-five jobs. Residency, fellowships, variable income, contract work, and student loan debt can all make qualifying for a mortgage feel more complicated than it should.

That’s where our prescription comes in. Medical professional loan options are designed with your career path in mind — helping make homeownership more attainable without forcing you into some one-size-fits-all solution neither of us will be happy with.

Key Features of Medical Professional Loan Programs

Depending on the specific program and your qualifications, medical professional loans through Atlantic Bay may offer:

• Financing options up to 100% loan-to-value on qualifying loans

• Loan amounts up to $2.5 million, based on program structure

• Fixed-rate and adjustable-rate (ARMA home loan with a lower initial rate that can change up or down after a set period based on an index, offering lower upfront payments and flexibility for shorter-term homeowners.ARMA home loan with a lower initial rate that can change up or down after a set period based on an index, offering lower upfront payments and flexibility for shorter-term homeowners.) options

• Fixed terms from 15 to 30 years

• ARM options ranging from 5/6 to 15/6

• Primary residence purchases and refinances

• No prepayment penaltiesFees a lender may charge if you pay off your mortgage early, helping protect them from lost interest.prepayment penaltiesFees a lender may charge if you pay off your mortgage early, helping protect them from lost interest.

• Competitive credit requirements, with programs starting at a 680 minimum credit score

Yeah, that’s a lot. But Your Mortgage Banker will walk through all the details and help identify the option that best fits your goals — now and in the future.

Who These Loans Are Designed For

Medical professional loan programs are available to eligible, licensed professionals, including:

• Medical Doctors (MD) and Doctors of Osteopathy (DO)

• Dentists (DDS, DMD)

• Pharmacists (PharmD)

• Veterinarians (DVM/VMD)

• Podiatrists (DPM)

• Certified Registered Nurse Anesthetists (CRNA)

• Medical residents, fellows, and interns with qualifying degrees

• Other qualifying licensed medical professionals

Program eligibility, loan limits, income requirements, and terms vary by loan type — which is why working with an experienced Atlantic Bay Mortgage Banker is critical for your homeownership status’s health.

Whether You’re Just Starting Out or Well Into Your Career...

Whether you’re:

• In residency and planning ahead

• Settled into your medical career

• Relocating for a new opportunity

• Refinancing to better match your long-term goals

These loan programs are designed to meet you where you are — with flexibility that supports your next chapter.

And at Atlantic Bay, we believe home financing should feel supportive, not stressful. Our team takes the time to understand your situation, explain your options clearly, and help you move forward with confidence.

Your career is demanding. Your mortgage process doesn’t have to be. Let’s talk through what might work best for you. Your Atlantic Bay Mortgage Banker is here to help you diagnose the right path forward. Absolutely no pressure just guidance diagnosed to fit your needs.