Best Physician Mortgage Loans in Idaho

If you’re considering a move or refinance in the future, then a physician mortgage loan in Idaho may be the perfect tool for your financial playbook.

Now is a great time to connect with an experienced lender who can help you through the entire mortgage process.

If you want to join the 3,200 practicing physicians who call The Gem State home, then homeownership in Idaho could soon be a reality for you with a physician loan.

Idaho offers over 1.9 million residents a land full of natural resources. If you love to kayak, hike, farm – basically almost any outdoor activity you can dream of – then Idaho is the ideal place for you.

Idaho is one of the largest states in the Union, giving you ample opportunity to spread out or live in a thriving big city. No matter what lifestyle you’re looking for, then you can find it here.

If you’re ready to get started to find the best doctor home loan in Idaho, then you’ll find these knowledgeable lenders ready to move you forward.

3 Best Idaho Physician Home Loan Lenders

  1. BMO Harris
  2. US Bank
  3. Citizens Bank

1. BMO Harris

BMO Harris offers several mortgage options for physicians. Physicians can borrow up to 100% on mortgages up to $1M, 95% on mortgages up to $1.5M, and 90% on mortgages up to $2M.

There is no PMI on physician mortgage loans through BMO Harris. The loan programs are available with either fixed or adjustable rates and without any special fees.

BMO Harris is headquartered in Chicago, IL, and also operates in the states of AZ, FL, IN, KS, MN, MO, and WI – excludes NY.

2. US Bank

U.S. Bank is a leader in the mortgage industry. Many of their customers have said they would recommend them in the future.

They offer loans that meet almost every mortgage need. You may be eligible for the U.S. Bank Customer Credit with a new or existing U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank.

Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,000. At U.S. Bank, they know that your home is one of the biggest investments you’ll ever make.

And whether you’re looking for a new mortgage loan, a mortgage refinance or a home equity loan, you want a partner you can trust.

3. Citizens Bank

Citizens Bank offers a special mortgage program for physicians and dentists through their doctor loan program.

The Citizens Bank Doctor Loan is available for purchases and limited cash‑out refinances of the primary residence.

A few highlighted features of the program include up to 95% financing, no mortgage insurance, and your choice of a fixed-rate or adjustable-rate mortgage.

Headquartered in Providence, RI, Citizens Bank has over 1,200 locations across the country.

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