Best Physician Mortgage Loans in Virginia

Whether you’re in the middle of your residency program or well into your career as an attending, a physician mortgage loan in Virginia can help your dream of homeownership become a reality.

Virginia is a state that many physicians are choosing to call home, with over 25,400 doctors practicing medicine in the Old Dominion.

As the Birthplace of our Nation, Virginia continues to have millions of residents calling it their home each year.

Virginia can offer its residents everything from amazing weather to beautiful scenery and delicious food. It also happens to offer top educational choices, world-renowned hospitals, and access to incredible healthcare.

If you’re ready to get started with the physician mortgage loan in Virginia, then you’ll find several preferred lenders who are ready to get you closer to home ownership.

4 Best Virginia Physician Home Loan Lenders

Here are the top physician mortgage loan lenders in VA:

  1. BMO Harris
  2. Truist
  3. US Bank
  4. TD Bank

Discover The Best Lenders in Virginia

Answer just a few questions about your career, where you're buying, and how much you want to borrow. Our service will then show you the exact programs you're eligible for from vetted physician loan specialists who will guide you through every step of the process – obligation-free!

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. Truist

The doctor home loan program from Truist is available to MDs, DOs, DDS’, and DMDs that are currently in residency, and practicing professionals that have completed their training within the last 10 years.

Residents and fellows are eligible for a SunTrust physician loan of up to $750,000 with no down payment at 100% financing!

Meanwhile, those within ten years of residency completion are eligible for higher physician loan amounts of up to $1,000,000 with 95% financing and up to $1,500,000 with 89.99% financing!

3. 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.

4. TD Bank

TD Bank is one of the biggest ten banks in the Nation and a favorite option for physicians! They offer a great selection of all types of mortgage loans.

They have a great PHYSICIANS MORTGAGE loan product for medical or dental residents and fellows as well as practicing and self-employed physicians and dentists.

They also offer other conventional loans and FHA and VA loans. Products offered include a 0% down / 100% financing for loans up to $750,000, 5% down / 95% financing for loans up to $1,250,000 and 10% down for loans up to $1,500,000.

All TD Bank’s Physician loans have NO PMI and flexible rate options including a 30 yr fixed and 5yr, 7yr, and 10 yr Arm. TD Bank has over 1,200 branch locations and operates in multiple states on the East Coast.

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