Mortgage Loans that help medical professionals become homeowners in Oklahoma.

Physician mortgage loans, or doctor loans, are mortgage loans geared explicitly toward medical professionals. 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


Physician mortgage loans are available for medical professionals, recent med-school graduates, doctors, and other healthcare professionals. This loan type takes the borrowers' earning potential in their career position into consideration rather than their financial history.
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 or impossible to qualify for a traditional mortgage.


Physician Mortgage Program Details for Oklahoma:

  • 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
  • 95% financing over $1,250,000

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'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).


A unique First Liberty Bank Mortgage product designed for doctors right out of medical school and early career physicians who may not have savings available for a down payment or may have high student loan obligations. To start the application process, contact an FLB Mortgage Lender or visit one of our branch locations in Oklahoma City, OK or Norman, OK, today!


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