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Foothills Bank
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Medical Professionals Mortgage Loan Program

A home financing program designed for the unique needs of medical, dental, and healthcare professionals.
 
Realtor shaking hands with a couple.
 

 
Flexible Financing
Get the financing you need, no private mortgage insurance required, and little to no down payment.
 
    • Up to 100% financing on mortgage loans up to $832,750
    • Up to 95% financing on mortgage loans up to $1.25 million
    • Up to 90% financing on mortgage loans up to $1.5 million
    • Up to 85% financing on mortgage loans up to $2 million

For Medical Professionals
You may qualify if you have a Foothills Bank deposit account in good standing and meet one of the following criteria:
  • Licensed and employed medical or dental professional
  • Licensed medical or dental resident, intern or fellow
  • Licensed or certified healthcare professionals currently working in a medical profession

Ready to Buy Your Dream Home



Loan amount tiers and financing percentages available may vary based on professional credential type. Talk to your Foothills Bank loan officer for the terms applicable to your credential. Eligible medical professional include: (1) physicians and health & wellness professionals who are actively practicing (MD, DMD, DPM, DO, DDS, OD, DC, DVM, RN, PA, PT, RPT, NP, RPh) (2) licensed residents, interns or fellows scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physician group, or dental practice within 90 days of closing on the subject mortgage, or (3) licensed health & wellness professionals or certified healthcare professional and currently working in the medical profession. Any student loan debt deferred for 12 months or more is not included in the calculation of the debt-to-income ratio. PITIA (Principal, Interest, Taxes, Insurance, Assessments) reserves of 6 months are required. Applicants must have, or open prior to closing, a depository relationship with Foothills Bank. Financing and rate-term refinancing is available on owner-occupied primary residence only. All loan decisions are subject to Foothills Bank internal lending policies and the unique credit circumstances of the borrower. Bank rules and regulations apply. Information current as of 07.01.2026. NMLS #472212