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
  • Closing Costs up to $10,000 May Be Financed
  • Deferred student debt may be excluded from DTI
  • Pending Employment Contracts Acceptable
  • Refinance Options Available
  • 100% financing up to $1,000,000
  • 97% financing up to $1,250,000

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

This is not a commitment to lend; you must submit additional information for review and approval. Rate, Annual Percentage Rate (APR), and terms are subject to change without notice.  See your Loan Officer for complete program guidelines, costs, fees, and annual percentage rates (APRs).


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Need Help? Click Request Info, and one of our mortgage loan officers will reach out to you. 

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Rates and terms are subject to change without notice. The Physician Home Loan program is limited to primary residences in Oklahoma City and Dallas/Fort Worth metropolitan areas, other restrictions may apply. See a First Liberty Bank Loan Officer for complete program details, fees, and current interest rates. Loan approval is subject to First Liberty Bank approval guidelines. NMLS #1215182.