Physician mortgage loans, or doctor loans, are mortgage loans geared explicitly to medical professionals. Recent med-school graduates, doctors, and dentists in the early stages of their careers have expenses such as student loan debt, and their past work history may not reflect their earning potential. Their financial history can make it difficult if not impossible to qualify for a traditional mortgage. First Liberty Bank understands the unique situation doctors and dentists are in and the fact most see rapidly rising salaries. 

Only available to existing or soon to be MDs DOs DDSs DPMs DCMs ODs and DMDs

  • 100% Financing - No Money Down
  • No PMI means a lower monthly payment
  • Mortgage Rates As Low as 4.00% APR*
  • Closing Costs up to $10,000 May Be Financed
  • Deferred student debt may be excluded from DTI
  • Pending Employment Contracts Acceptable
  • Loan Amounts up to $750,000
  • Refinance Options Available

Need help answering questions like, "How much will my monthly mortgage payments be?" Use our calculators to easily find out the answers that apply to your physician home mortgage. 


Example: A $750,000 loan with 0% down-payment and an adjustable *interest rate of 3.625%** results in a PI payment of $3,420.38 for a period of thirty years and an APR of 3.494%. Monthly Tax and Insurance escrow and insurance cost. *The annual percentage rate is subject to increase after consummation. The interest rate is fixed for the first seven years and can adjust annually thereafter. **This rate assumes payment from a First Liberty Bank deposit account. Rates and terms subject to change without notice. Physician Home Loan program limited to primary residences in the Oklahoma City metropolitan area, and other restrictions may apply. See a First Liberty Bank Loan Officer for complete program details, fee, and current interest rates. Loan approval subject to First Liberty Bank approval guidelines. NMLS #1215182.