Physicians Mortgage

Exclusively designed for Physicians, Dentists, Optometrists, and Chiropractors

You’ve dedicated years to education and training - now let us help you secure a home that reflects your hard work. Our Physician Mortgage Program is designed specifically for medical professionals looking to purchase a primary residence, with features that support your unique journey.

$250 Closing Cost Credit*

For a limited time, receive a $250 Closing Cost Credit* when you close your Physician Mortgage* with us. In addition to the below, it’s one more way we support you as you establish roots in the community you serve.

Tailored Features That Make a Difference:

• No Private Mortgage Insurance (PMI) Required
• Low Down Payment Options
• Flexible Underwriting That Considers Your Earning Potential
• Consideration for Student Loan Debt
• Available for Purchase of Primary Residence
• Dedicated Mortgage Experts Familiar with Your Profession

Whether you're just starting out or moving into a new home, this program offers a smart, streamlined path to homeownership—without the obstacles that traditional loans often present to early-career physicians.

This mortgage program is also available to residents and fellows during their term of residency or fellowship and takes into consideration the burden of student loan debt.

Apply for A Physicians Home Loan

Eligible Physicians

• Medical Doctors or Surgeons (MD, DO, DPM)
• Optometrists (OD)
• Chiropractors (DC)
• Dentists (DMD)
• Dental Surgeons (DMD, DDS)

Let’s Get Started

If you’re ready to purchase your next home, we’re ready to help make it happen—on terms that make sense for you.

Questions? Contact Amy Kaufmann Today

by text 989.399.9661, by phone 989.921.1420, or by visiting our State St location

Apply for a Physicians Home Loan

* The Program is available Medical and Dental Professionals (i.e. Medical Doctor or Surgeon, Optometrist, Chiropractor, Dentist, Dental Surgeon) and Residents and Fellows in these professions during the term of their residency or fellowship or up to 60 months after their residency or fellowship purchasing a one-unit single family dwelling or condo that is an owner-occupied primary residence in the state of Michigan. The applicant must obtain or have membership with Health Advantage Federal Credit Union (“Credit Union”). Rates, terms and conditions vary based on each member’s creditworthiness and underwriting standards. The closing cost credit will be applied directly to any applicable closing costs associated with an eligible first mortgage applied for between March 1, 2026 and March 31, 2026 that is originated within 60 days of the application date. Not redeemable for cash. Closing cost credit cannot be combined with any other promotions, offers or incentives. Other restrictions may apply.Credit is subject to approval; not all applicants will qualify. Programs, offers, rates, terms and conditions are subject to change without notice. Call the credit union for full details at 989-791-7070 ext. 3503.

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