Loan Programs
Medical Professionals Mortgage Program
Designed for Doctors, Dentists & Healthcare Heroes in North Carolina — and Beyond
Welcome Home, Medical Professionals
At New American Funding, we’re proud to serve the medical professionals who dedicate their lives to caring for others. Through our Medical Professionals Mortgage Program, we help doctors, dentists, residents, fellows, and other healthcare professionals buy homes with flexible financing options designed specifically for your career path.
Whether you’re practicing in North Carolina or relocating from out of state, our team understands the unique financial challenges and opportunities that come with a medical career — and we’re here to make the homebuying process smooth, fast, and stress-free.
Who This Program Is For
1. Medical Doctor (MD)
2. Doctor of Osteopathy (DO)
3. Doctor of Dental Science or Surgery (DDS)
4. Doctor of Dental Medicine (DMD)
5. Doctor of Ophthalmology (MD or DO)
6. Doctor of Psychiatry (MD or DO)
7. Doctor of Pharmacy (PharmD)
8. Doctor of Veterinary Medicine (VMD)
9. Doctor of Podiatric Medicine (DPM)
10. Certified Registered Nurse Anesthetist (CRNA)
11. Medical residents, fellows, or interns holding one of the above degrees
Eligibility Requirements:
* Borrowers must hold a minimum of an M.D., D.O., D.D.S., D.M.D., DNP, or DNAP degree
* Must have an active employment contract or verification of accepted employment terms
* Non-occupant co-borrowers are allowed, provided their income does not exceed 50% of total qualifying income
Why Medical Professionals Choose Us
✔ Deep experience working with healthcare borrowers
✔ Clear, honest guidance (no mortgage jargon overload)
✔ Fast pre-approvals to keep up with competitive markets
✔ Personalized strategies for long-term financial success
We understand student loan structures, employment contracts, and the realities of transitioning from residency to practice.
Loan Features & Program Highlights
- 100% Financing Available — No down payment required on eligible transactions
- No Private Mortgage Insurance (PMI)
- Loan amounts up to $2,000,000
- Primary Residence only (1-unit properties)
- Purchase and Rate-Term Refinance options
- Flexible underwriting** designed for medical careers
Available Loan Terms
* 15-Year Fixed Rate Mortgage
* 30-Year Fixed Rate Mortgage
* 5/6 SOFR ARM
* 7/6 SOFR ARM
* 10/6 SOFR ARM
These options allow you to choose the structure that best fits your income trajectory and long-term goals.
Buying or Relocating to North Carolina?
- Strong healthcare systems
- Growing cities like Raleigh, Durham, Charlotte, and Chapel Hill
- World-class universities and hospitals
- Affordable housing compared to other metro areas
We also assist medical professionals relocating from other states and can coordinate financing before you arrive.
Simple, Stress-Free Process
2. Get pre-approved quickly using your employment contract
3. Shop with confidence knowing your numbers are solid
4. Close smoothly with a team that stays proactive until keys-in-hand
MORTGAGE TOOLS
Your Mortgage Options, Made Clear.
MORTGAGE SOLUTIONS
Find the Financing That
Fits Your Future.
Explore home loan programs designed to support your homeownership goals, whether you’re purchasing, refinancing, or planning your next move.
No Income / No Employment DSCR Investor Loans
Learn More!
12/24 Month Bank Statement
Learn More!
No Income / No Employment Loan Primary Residence Loan
Learn More!
ITIN Mortgage Loan Program
Learn More!
P&L-Only Mortgage Loan Program
Learn More!
1099 Mortgage Loan Program
Learn More!
NAF Cash
Learn More!
One Time Close Construction
Learn More!
Down Payment Assistance
Medical Professionals Mortgage Program
Free Tools
Check Out Our Other Mortgage Calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
Affordability Calculator
Assess how much home you can afford based on your income, expenses, and desired down payment.
Rate Buydown Calculator
Check out how much you can save with a seller-paid rate buydown.
YOUR NEXT MOVE STARTS HERE
Let’s find your path home.
Buying, refinancing, or exploring your options? Connect with Greg Downs at New American Funding for personal guidance and home loan options that fit your goals.
Explore
New American Funding, LLC // NMLS #6606 All information is deemed reliable but not guaranteed. Neither mortgage company nor website company shall be responsible for any typographical errors, misinformation, or misprints and shall be held totally harmless. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 919-451-6089 for assistance. You should not send confidential or personally identifiable information via unencrypted email. It is not a secure way to send any information and could expose you to data hacking. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. NAF Cash, LLC (“NAF Cash”) is a real estate company that is an affiliated company of New American Funding, LLC. All products and services supplied by NAF Cash are subject to state availability and contractual terms and conditions. NAF Cash does not originate loans or issue loan commitments. NAF Cash, LLC charges a Transaction Fee of 1.50%-7.5% of the purchase price for its service (fee varies by state and program). License numbers: MI Real Estate Broker #6505431332. Terms and conditions apply, not available in all states. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375. Phone 844-344-0531. 41050 W 11 Mile Rd, Ste 220, Novi, MI, 48375
© 2026. Website by LoanSites.