Advanced Medical Practitioners Mortgage Program
Specialized Home Financing Designed for Today’s Healthcare Professionals
At Fidelity Bank, we support the homeownership goals of advanced healthcare professionals. Our Advanced Medical Practitioners Mortgage Program is a specialized mortgage solution created for practitioners whose financial paths include unique considerations like deferred student loan repayment and variable early-career income. This loan program is available for the purchase of a primary residence and offers flexible qualification options tailored to the needs of medical and advanced healthcare practitioners.
Eligible Professions
New medical school graduates, residents, new physicians, and other advanced practitioners with the following designations:
- Medical Doctor (MD or DO)
- Doctor of Podiatric Medicine (DPM)
- Dentist (DDS or DMD)
- Doctor of Nursing Practice (DNP)
- Certified Registered Nurse Anesthetist (CRNA)
- Nurse Practitioner (NP)
- Physician Assistant (PA)
- Psychiatrist (MD or DO, state-licensed and board-certified)
- Doctor of Veterinary Medicine (DVM)
Program Highlights
- Flexible credit qualification requirements
- Custom loan terms beyond traditional mortgage guidelines
- Primary residence purchases only
- Eligible property types include single-family homes, condominiums, and 2–4 unit owner-occupied properties
Additional Features
- Student Loan Flexibility: Student loans may be excluded from debt-to-income calculations for borrowers in residency with documented deferment of at least 12 months
- Co-Signer Options: Non-occupant co-signers may be permitted
- Gift Funds: Eligible gift funds may be used toward closing costs
This specialized home loan program is offered directly by Fidelity Bank and is separate from our mortgage referral partnership with NOLA Lending Group.
Availability is subject to credit approval and geographic limitations.