Mortgage loans for physicians & emerging professionals

We understand that certain medical and legal professionals have unique needs when it comes to purchasing a home. We offer special financing and approval criteria to help make homeownership possible.


Apply online, through a branch or call us at 877-536-3286.

Special features make it easier to buy a home

Minimum cash required

No private mortgage insurance required

Close before employment begins

Benefits of mortgage loans for physicians & emerging professionals

New medical and legal professionals often have minimal savings for a down payment and high student loan debt, making it hard to qualify for a traditional mortgage.

Our custom loan options can help you buy a home—before you might otherwise be able to— with:

  • Reduced monthly payments since there’s no requirement for private mortgage insurance (PMI).
  • Loans of up to 100% loan-to-value (LTV) for physicians and 97% (LTV) for lawyers and other select medical professionals starting their careers.
  • Options with no down payment for loans up to $750,000 and 5% down payments up to $1 million.
  • Ability to close on your loan before you begin your employment.
  • Available for medical physicians regardless of how long you’ve been practicing.

Learn more about mortgage options when you prequalify online.

Who's eligible?

Our custom loan programs are tailored to meet the needs of a variety of professions:

  • The Regions Doctor Loan Program is available for medical physicians regardless of how long you’ve been practicing.
  • The Regions Emerging Professionals Program is available to attorneys, certified pharmacists, nurse anesthetists, physician assistants, nurse practitioners, veterinarians, chiropractors, optometrists, or podiatrists with no more than 7 years in their profession.

Service & solutions to make homeownership a reality

We commit to proactive communications to help ensure you know exactly where you are in the loan process. Have questions? Find a Mortgage Loan Officer