Doctor or Physican home Loan

Great program for recent graduates with medical degrees needing a mortgage.

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Introducing the Doctor Loan from 1st Choice Mortgage

Residents, recent medical school graduates, and doctors in the early stages of their careers in Idaho may be burdened by expenses such as student loan debt.  The Doctor Loan is specifically designed to offer favorable terms for home buyers in Idaho with great earning potential.

Benefits and Features include:

  • Primary Residence.
  • Eligible properties include:
    • 1 unit properties.
    • Fannie Mae warrantable Condos.
    • Planned unit developments.
  • Purchase and Rate & Term Refinance.
  • Maximum Loan to Value (LTV) is up to 97%.
  • Loan amount up to $850,000.
  • Deferred student debt may be excluded from the Debt to Income Ratio.
  • Interested party contributions are allowed:


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Eligible Borrowers Include:

  • Medical Resident (Educational License).
  • Medical Doctor (MD).
  • Doctor of Dental Surgery (DDS).
  • Doctor of Dental Medicine (DMD).
  • Doctor of Optometry (OD).
  • Doctor of Opthalmology (MD).
  • Doctor of Podiatric Medicine (DPM).
  • Doctor of Osteopathy (DO).

Call TODAY for complete guidelines and details!


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1st Choice is only Licensed in Idaho.