Home Loans for Medical Professionals

Doctors With Massive Student Loan Debt Can Still Buy a House Thanks to Home Loans for Medical Professionals. Get Approved for as Low as $0 Down & Up to 100% LTV.

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Medical Professional Mortgage Loan Programs

Medical practitioners graduate with a significant amount of student loan debt, which can make it difficult to qualify for a home loan. A healthcare workers home buying program can mean that student loans or limited savings don’t have to stand in the way of home ownership.

Who qualifies for a healthcare worker mortgage?

If you are currently practicing medicine in one of the following functions, or will be practicing within 90 days of loan closing, you may qualify for mortgage programs for healthcare workers:

  • Doctors of Chiropractic (DC)
  • Doctors of Dental Medicine (DMD)
  • Doctors of Dental Surgery (DDS)
  • Doctors of Ophthalmology (MD)
  • Doctors of Optometry (OD)
  • Doctors of Osteopathy (DO)
  • Doctors of Pharmacy (PharmD)
  • Doctors of Podiatric Medicine (DPM)
  • Doctors of Psychiatric Medicine (DPM)
  • Doctors of Surgery (DCH)
  • Doctors of Veterinarian Medicine (DVM)
  • Medical Doctors (MD)
  • Medical fellows
  • Medical residents

Healthcare worker & resident physician mortgage benefits

Our healthcare worker mortgage program also applies to resident physician loans, offering:

  • Loan amounts up to $1,100,000
  • Loan-to-value ratios up to 95% for loan amounts up to 1,500,000*
  • No mortgage insurance options available
  • Program includes 3/6 ARM, 5/6 ARM, and 7/6 ARM options
  • Purchase and rate/term refinance eligibility
  • Low or no down payment required

Working with Sammamish Mortgage

At Sammamish Mortgage, we pledge to make home buying with a healthcare worker loan a quick and hassle-free experience. We currently lend in all of Washington State. For more information about medical professional loans, contact us today.

A+ Rating

A+ Rating with Better Business Bureau

Standards like this have helped Sammamish Mortgage maintain an A+ rating with the Better Business Bureau and has placed several of its loan officers rate in the top 1% for mortgage originators in America.

Sammamish Mortgage A lot of mortgage companies don’t value the same things as their borrowers, but Sammamish does:

Trust

Our closing costs are binding, which means that what we quote you is what you will pay; there are no surprises at closing!

Transparency

We offer multiple rate options for each product, and we don’t wrap up additional costs in your interest rate.

Freedom

Filling out a loan application is free and never obligates you to work with Sammamish Mortgage.

Flexibility

Our hybrid online and full-service system lets you choose your loan process without forcing you into one method that works best for us, as many mortgage companies do.

The Sammamish Mortgage Difference

Innovative programs and strategies you need to get offers accepted in today’s competitive house market.

Sammamish Mortgage vs. the Competition
Compare over 20 banks, lenders and investors from our network in seconds
No lender fees or junk fees
In-house underwriting
Real-time custom rates and costs available online 24/7
Our team of loan officers are on call 7 days a week
Underwritten Pre-approvals
Close in 3 weeks or less
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Apply
Mortgage Brokers
Sometimes
Rarely
No
Rarely
Sometimes
No
Sometimes
Rarely
Big Banks
No
Rarely
Rarely
Rarely
No
Sometimes
No
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
No
Rarely
Rarely
Rarely

Sammamish Mortgage vs. the Competition

Sammamish Mortgage
Mortgage Brokers
Big Banks
Online Lenders
Compare over 20 banks, lenders and investors from our network in seconds
Sometimes
No
Rarely
No lender fees or junk fees
Rarely
Rarely
Sometimes
In-house underwriting
No
Rarely
Rarely
Real-time custom rates and costs available online 24/7
Rarely
Rarely
Sometimes
Our team of loan officers are on call 7 days a week
Sometimes
No
No
Underwritten Pre-approvals
No
Sometimes
Rarely
Close in 3 weeks or less
Sometimes
No
Rarely
Bridge Loans and Cash Buyer Programs
Rarely
No
Rarely
Apply

Who is Sammamish Mortgage?

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We proudly serve customers in the Pacific Northwest region. If you’re looking to buy a home in one of these states, we can help!

Transparent Rates and Costs Available 24/7

Apply Now

Our Reviews

4.9 414 Reviews
4.9 119 Reviews
4.8 91 Reviews
4.6 107 Reviews
Nick Koveshnikov
November 18, 2024
Very professional and easy to work with company. We refinanced my mother's house with Sammamish Mortgage and they were very clear about the process, helpful in guiding our family through the process, and focused on making the process easy and convenient for us at every step. Have already been highly recommending SM to my friends and coworkers.
Kevin Steckbauer
November 10, 2024
I submitted my application to Sammamish after getting what felt like poor service from my original lender, at exactly three weeks until closing. I had heard of them through friends locally, and was not getting a good feeling as things moved along with the original lender, so I started with the application as a feeler. I called in a couple hours after submitting the application, and Ryan Shane had already looked over my application. I spoke with him about the closing date and how my information looked for closing within the timeline, and he was very confident and reassuring. I felt very good about switching to Sammamish after speaking with Ryan, and so I committed to doing so. Everything with them from then on was extremely smooth and well communicated, with no issues whatsoever, and now Im happily in the home. The combination of clarity and smoothness with Sammamish, along with the quickness, was exactly what I needed.
Ty Alexander
November 7, 2024
Ryan and his team do great work. Fast, efficient, reliable and trustworthy. They have a fair approach and give great advice. Interest rates were very competitive and fees were extremely fair. I highly recommend giving them a call.
Marcelo Girao
November 6, 2024
Sammamish helped me with my 4th house purchase and I must say it was the best experience by a large margin. Their communication was prompt and clear, their rate was excellet, and the underwriting process was fast and smooth. I highly recommend them.
Joseph King
October 30, 2024
My experience with Sammamish Mortgage was nothing short of excellent. They are consummate professionals, providing clear and thoughtful guidance at every step of the way. They are skilled at shaping a normally stressful experience into one that has logical steps and procedures, giving new homeowners a sense of confidence and calm. Thank you to all the team members at Sammamish!
Kirsten McClure
October 29, 2024
Recently, my husband and I decided to take advantage of the lower interest rates and refinanced our home with Sammamish Mortgage. Ryan, Tonya, and the whole Sammamish Mortgage team were so incredibly friendly and easy to work with. They were always available to answer any questions we had, they touched base with us through every step, and were genuinely helpful through the entire process. We continue to be impressed by this team of experts and highly recommend them to anyone buying a home or refinancing. They are true professionals and we are grateful.
Kriegah S
October 23, 2024
I have worked with Sammamish Mortgage on a few occasions now. You guys consistently exceed expectations and make a usually stressful process as easy as possible. Thank you!

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