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Doctor Loans

Don't let medical school debt get in the way.

New doctors have unique mortgage needs, especially when faced with student loan debt that might reduce their eligibility for a traditional mortgage. That’s why HomeStreet offers a special loan just for doctors beginning their careers.

Features include:

  • Loan amount up to  $2,000,000.
  • As low as 3% down payment (credit score may affect down payment requirements)
  • Fixed-Rate or ARM loans are available
  • Income from future employment contracts may be used as a basis for loan qualification
  • Student loan payments deferred 12 months or more may be excluded from the debt-to-income (DTI) ratio calculation*
  • Available for primary residence purchases and refinances
  • Eligible properties include single-family homes, PUDs, Fannie Mae approved condominiums, manufactured homes and duplexes
  • Program available to borrowers in Washington, Oregon, Idaho, California, Hawaii and Arizona


Who can take advantage of the program?

  • Medical and Osteopathic Residents, Interns, and Fellows
  • Licensed Medical and Osteopathic Physicians who have completed residency, but been in practice for 10 years or less
  • Dentists and Oral Surgeons who have been in practice for 10 years or less

Have home financing questions ?

All loans are subject to approval.

*Additional documentation may be required regarding student loan payments.

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