Doctor or Physican home mortgage Loan

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

Purchase a Home Qualifier  Refinance a Home Qualifier

Introducing the Doctor or Physician Loan from 1st Choice Mortgage

AS of 04/01/2020, due to market conditions, this program is not longer available.  Keep checking back, as the market improves this program should potentially come back.


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 or Physician 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.
  • Choose from: 30 Year Fixed Rates or 7/1 ARM loans available.
  • Deferred student debt may be excluded from the Debt to Income Ratio.
  • Interested party contributions are allowed:


physican loan doctor loan boise mortgage nampa home loan caldwell house loan
doctor loan physican loan doctor mortgage home loan boise nampa meridian caldwell


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!


Answer a few SIMPLE Questions and experience why we are always the 1st Choice in Idaho!

Purchase a Home Qualifier Refinance a Home Qualifier


1st Choice Mortgage Company, LLC BBB Business Review, boise, nampa, caldwell, kuna, eagle