Medical Professional Mortgage Loans in Central PA
We understand your unique needs.
Our lenders live and work in the same communities as you. We work with many medical professionals and we will be with you every step of the way through the entire homebuying process from pre-approval through closing. Connect with a local lender, apply for a mortgage online, or start the pre-qualification process today.
Ready to take the first step towards your dream home?
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Mortgage Program for Residents, Fellows, PAs, CNPs, CRNAs, and Pharmacists*
- 100% Financing and No Down Payment.
- Loan may be used for purchase, refinance, or construction of a single family primary residence.
- Financing is available with a maximum loan of $500,000.
- No Private Mortgage Insurance required.
- A credit score of 680 or better is required.
- Escrow required (taxes and insurance).
- Closing allowed within 90 days before start of employment.
- The residence financed must be located within the bank’s primary service area.
- Deferred student loans are not considered part of current debt obligations.
- Residents & Fellows require proof of being “matched” and accepted to a position.
- PAs, CNPs, CRNAs and Pharmacists must be employed full-time or have a contract/acceptance to a hospital, medical facility or pharmacy.
Must meet certain conditions to qualify. Offer is not valid with any other offers. Loans are subject to credit approval. Consult a tax advisor regarding tax deductibility of interest. Additional fees may apply. NMLS#410779
*Medical Doctorate Degree Required including: MD; DO; DDS; DMD; DVM.
Mortgage Program for Staff and Self-employed Medical Professionals*
- 100% Financing and No Down Payment.
- Loan may be used for the purchase, refinance, or construction of a single family primary residence.
- Financing is available with a maximum loan of $1,000,000.
- No Private Mortgage Insurance required.
- A credit score of 680 or better is required.
- Escrow required (taxes and insurance).
- Closing allowed within 90 days before start of employment.
- The residence financed must be located within the bank’s primary service area.
Must meet certain conditions to qualify. Offer is not valid with any other offers. Loans are subject to credit approval. Consult a tax advisor regarding tax deductibility of interest. Additional fees may apply. NMLS#410779
*Medical Doctorate Degree Required including: MD; DO; DDS; DMD; DVM.
While you’re helping those in our community, let us help you.
As a busy medical professional, it can be challenging to spend time researching mortgages for medical professionals that align with your student loan repayment plan and your life goals.
That’s why Journey Bank offers home loans for medical professionals with specialized underwriting that takes your unique situation into consideration. Our local lending experts will work by your side throughout to streamline the process and find you a place to call home that's within your budget and fits your lifestyle.
Let’s Get You Prequalified, the First Step to Homeownership
Medical Professional Home Loan FAQs:
Yes. Closing is allowed up to 90 days before your position begins, and residents and fellows can qualify with proof that they have matched and been accepted to a position, even before their start date.
No. Deferred student loans are not considered part of your current debt obligations under this program, which is a common obstacle for medical professionals early in their careers.
No. Both program tracks offer 100% financing with no down payment required, and no Private Mortgage Insurance.
No. In addition to MDs and DOs, dentists (DDS, DMD) and veterinarians (DVM) qualify under the Residents, Fellows, PAs, CNPs, CRNAs, and Pharmacists track, as well as the Staff and Self-Employed track.
The Residents, Fellows, PAs, CNPs, CRNAs, and Pharmacists track is designed for those just starting out, with financing up to $500,000. The Staff and Self-Employed track is for established medical professionals, with financing up to $1,000,000. Both offer the same no-down-payment, no-PMI structure.
