• Zoe Cangas STL Realtor

Paging Dr. Loan

4 loans Tending to Physicians.

Starting your residency, transferring to a new town or practice, or running your own practice? We have loan strategies and options specifically for doctors and residents.

If you're also...

  • Ready to buy a home before you start your new position?

  • Concerned student loans could impede your loan approval?

  • Looking to put little to no money down?

...we can help you!

Know your options... you have them!!!

We know you’re busy with patient loads and life in general. Little time is left to think about a home loan strategy, let alone collecting the necessary paperwork. We make the entire approval and closing process simple and easy!

Moving to town? Our team will be working to make the transition to your new position and new town seamless. We will keep you in-the-loop with automatic updates as your loan passes milestones in the loan process.

Specific loan programs require us to collect only your driver’s license. We can verify your income and bank accounts electronically. Talk about easy!

Who’s Eligible?

  • Medical Residents (with educational license)

  • Medical Doctor (MD)

  • Doctor of Dental Science (DDS)

  • Doctor of Dental Medicine or Surgeon (DMD)

  • Doctor of Optometry (OD)

  • Doctor of Ophthalmology (MD)

  • Doctor of Pediatric Medicine (DPM)

  • Doctor of Osteopathy (DO)

Don’t see your profession listed? Many of our clients choose one of the loan options below as they fit best with their short and long-term goals.

The Doctor Loan

Low down payment

✅ Flexible with student loans

✅ Purchase a home up to 60 days prior to practice start date

Jumbo Loan

✅ Loan amounts exceeding $453,100

✅ No private mortgage insurance (PMI)


✅ Down payment assistance

Freddie Mac Home Possible

✅No income limit

✅ Reduced monthly PMI on 3% down

Reach out to one of our local-serving loan officers who will help you find the best balance for your situation. We will make the process simple and get you out of the waiting room much faster. Strategy and simplicity. No surprises.

This information is crucial to your home buying journey, and not all lenders have the knowledge. Be sure to find a mortgage banker who knows their stuff, like the author of this post:

Michelle Willer | Senior Mortgage Banker

Mobile: 314-496-1478 mwiller@fbhl.com


NMLS: 595462

Enjoy this education... From me to you,

Zoe Cangas

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