Best Physician Mortgage Loans in Kansas

If you’re planning a move or a refinance anytime soon, then a physician mortgage loan in Kansas can be a helpful resource for you.

Start by getting connected with an experienced lender who can guide you through the entire physician loan process.

There are almost 8,300 physicians who call The Sunflower State their home – and your own goal of home ownership is possible with a physician home loan.

Kansas offers its 2.9 million residents big cities, small towns, and plenty of farmland for those who want to spread out. You’ll have your choices of cities to choose from – whether it’s Wichita, Overland Park or Kansas City – waiting for you to call Kansas home.

If you’re ready to get started finding the best doctor home loan in Kansas, then you’ll find these preferred lenders ready to assist you in moving forward with the loan process.

6 Best Kansas Physician Home Loan Lenders

  1. BMO Harris
  2. Arvest Bank
  3. TCF Bank
  4. US Bank
  5. Union Bank
  6. 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. Arvest Bank

Arvest Bank offers several options for physician mortgages. The doctor loans feature benefits such as mortgages up to 103% loan to value, flexible underwriting guidelines, and no PMI.

These loans are available to those who recently graduated from medical school, are in residency, or a physician who has been practicing for years.

There are many other loan products available to best suit your financial needs. Arvest Bank is headquartered in Bentonville, AR, and has over 260 locations.

3. TCF Bank

TCF Bank has approximately 475 banking centers primarily located in Michigan, Illinois, and Minnesota with additional locations in Colorado, Ohio, South Dakota, and Wisconsin.

They offer a doctor home loan designed to fit the unique needs of physicians, dentists, chiropractors, veterinarians, and more! No down payment for those who qualify (closing costs could apply). No private mortgage insurance is required for those who qualify.

Their mortgage loan officers are experienced in working with medical professionals and are ready to guide them through the loan process for their purchase or refinance.

4. 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 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.

5. Union Bank

Union Bank has a fantastic physician home loan that includes some of the best rates in the nation.

Key features include 10% down to $1.25MM loan amount, they can close up to 6 months from the start date of the new contract (if exiting residency or fellowship).

Your down payment, reserves, and closing costs can be gifted from a family with no seasoning requirements (a HUGE benefit).

There is no Mortgage Insurance or PMI and you can receive a lender credit for 0.25% of the loan amount up to $1,000 for opening a platinum checking account.

6. 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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Learn more about physician home loans.