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Medical Professionals Mortgage Loan Program

Unlock your dream home with the medical mortgage program designed specifically for physicians, doctors, and other medical, dental, and healthcare professionals.

Enjoy the Exclusive Benefits of our mortgages for Physicians and Medical Professionals
  • Say Goodbye to PMI. No Private Mortgage Insurance requirement
  • Little to no down payment
  • Flexible financing options to meet your unique needs
    • Up to 100% financing on mortgage loans up to $766,550
    • Up to 95% financing on mortgage loans up to $1 million
    • Up to 90% financing on mortgage loans up to $1.5 million
    • Up to 85% financing on mortgage loans up to $2 million
  • Personalized service from local mortgage experts
    • At Foothills Bank, you always get great service from real people. Our team of mortgage experts understands the unique challenges and opportunities facing medical professionals in the Arizona housing market. We will help you find the right home loan for your needs and budget. 
    • In-person consultations available. No call centers. 
  • Competitive interest rates

Who is eligible for our medical professionals mortgage loan program?
  • 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, with a 2-year employment history in the same line of work
*Must have a Foothills Bank deposit account in good standing, or open an account prior to closing

Example of Qualifying Professionals
  • Medical Doctors (MD)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Podiatric Medicine (DPM)
  • Doctor of Osteopathic Medicine (DO)
  • Dentist/Doctor of Dental Surgery (DDS)
  • Optometrist/Doctor of Optometry (OD)
  • Chiropractors/Doctor of Chiropractic (DC)
  • Veterinarians/Doctor of Veterinary Medicine (DVM)
  • Nurses/Registered Nurse (RN)
  • Physician Assistant (PA)
  • Physician Therapist (PT)
  • Registered Physical Therapist (RPT)
  • Nurse Practitioner (NP)
  • Registered Pharmacist (RPh)
  • Licensed resident, intern, or fellow

Ready to Buy Your Dream Home

Medical designations will determine loan-to-value ratio eligibility. Talk to your Foothills Bank loan officer for details. 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 with a 2-year employment history in the same line of work. Any student loan debt deferred for 12 months or more is not included in the calculation of the debt-to-income ratio. Non-Permanent Resident Aliens and Foreign nationals are not eligible. 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 constraints and the unique credit circumstances of the borrower. Bank rules and regulations apply.