Doctor Home Loans in Michigan

Doctor Home Loans in MichiganIf you’re a physician and purchasing a new home in Michigan (or refinancing your current mortgage) is on the horizon for you, then consider using a physician mortgage loan. The Wolverine State is home to over 38,000 practicing physicians, making it a favored choice among doctors. 

Michigan continues to see growth as more people are moving there and calling it home. Michigan remains one of the populated states in the country.  It’s no wonder it remains attractive for homeowners, with the beauty of the lakes and access to miles of shorelines. Not to mention the access residents have to great hospitals and healthcare all across the state. 

Recommended Lender for Doctor Home Loans in Michigan


Darick Hensel,  Mortgage Banker, Huntington Bank (formerly TCF Bank) NMLS #1177936

With over 15 years experience in mortgage lending and many years specializing in physician loans, Darick Hensel draws on every previous client to help improve for the next.

He understands the nuances of physician contracts, relocations, and financial strategies. Married to a trauma surgeon, Darick values your time and need for expediency. Outside of helping new and experienced physicians with their mortgage needs, he loves his wife, 2 dogs, golfing, and traveling.  He and his wife already have tickets to the 150th British Open! Get to know Darick too.

Find him by visiting this link, emailing him at, or calling 517-214-3257.   


Joe Saleh Financial Residency Mortgage PartnerJoe Saleh, Senior Mortgage Banker, Level One Bank, NMLS: 29947

Wow! 7 days, clear to close!” Those were the words of disbelief from a cardiologist moving between states.  Dedicated husband and father of 4, Joe has been in the mortgage industry for 13 years. Joe is driven by the relationships he forms with realtors, clients, and all stakeholders. He is determined to leverage his resources to satisfy the needs and lifestyles of all his clients, including those who are native Arabic speakers.

A personal goal of Joe’s is to travel to all seven continents. Only four more continents to go! He is an avid food and travel lover and won’t hesitate to dive into a conversation about his worldly adventures. Professionally, he is passionate about helping our medical professionals secure financing, whether it is a new purchase or construction. Contact Joe to begin the conversation and see how he can help you get your dream home.

Find Joe by visiting this link, emailing him at, or calling 313- 492-1313.



“Pinch me. I must be dreaming!” is what one of Jonathan’s physician endorsers expressed after reflecting on his mortgage experience. Others state their experience allowed them to enjoy the process of buying a home. We’re optimistic you’d experience the same. But, there’s only one way to find out.

Contact Jonathan by visiting this link or call (916) 788-7982.



UMB physician loansDoug Crouse, Mortgage Loan Officer | BMO Bank

Whether it’s your first home, a refinancing project or looking for the next home upgrade, Doug is focused on making a real and lasting difference. That’s why he takes the time to understand each of his clients’ unique home buying needs (as he has with my very own physician family).

Contact Doug by visiting this link.



Whether you choose the Upper or Lower Peninsula, the city life, or the suburbs, you’ll have your choice of lifestyle by making a home in Michigan. A physician mortgage loan can be a great resource for you to ensure you get the home you want in the area you desire.

As you start the process of a doctor home loan in Michigan, you’ll need a lender who can walk you through each part of the home loan journey. The first step with your house hunting is to get pre-qualified for a physician mortgage loan. Getting pre-qualified will allow you to know what your obligation will be each month for your new mortgage payment. When you narrow down the home you want to make an offer on, being pre-qualified will show the seller how serious of a buyer you are. 

Whether you’re a resident moving to Michigan for training or well into your career practicing medicine, a physician home loan might be your best financing option. Contact a preferred lender today to get started with your doctor home loan in Michigan. 


List of Lenders for Doctor Home Loans in Michigan

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.


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. Contact our recommended lender, Darick Hensel today!


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. 


Citizens Bank – Citizens Bank offers a special mortgage program for physicians and dentists through their doctor loan program. Their doctor loan is available for purchases and limited cash‑out refinances of 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.


Level One Bank – Level One Bank offers up to $1,000,000 with 0% down and up to $1,500,000 with 5% down. Financing up to $3M is available. Applicants can close up to 90 days prior to the start of an employment contract. Term: 30 Year fixed, 15/6, 10/6, 7/6, 5/6-year arms available for purchase and refinance. New Construction loans available upon request. No Private Mortgage Insurance (PMI) is required and student loan debt deferment is allowed for resident physicians. The program allows: Residents, Fellows, MD, DO, DMD, DVM, DDS, and PharmD and most Visa holders are eligible.

Recommended Real Estate Agents In Michigan

Financial Residency has partnered with Dr. Moves to offer you a tailored home buying experience with agents that specialize in working with physicians in Michigan. 

Moving to a different state? Click on the state you are moving to and get the best lenders in that state.

Return to all physician home loans by state.