Doctor Loan Program

We take care of doctors.

SunTrust Mortgage can help you achieve your home ownership goals.

Home Mortgage Loans for: Dentists (DDS and DMD), Physicians (MD, DO and DPM), and Licensed Residents/Interns/Fellows in MD, DO and DPM programs.

You've worked hard to become a doctor and now it's time to receive the benefits of all that work. At SunTrust Mortgage, your doctor privileges include flexible rate and financing options, even if you have student loans.

Advantages of Doctor Loans:

  • Fixed or adjustable-rate options
  • Up to 100% financing and no monthly mortgage insurance payments
  • Favorable repayment terms provide flexibility to meet your financial reality

For Licensed Residents/Interns/Fellows in MD, DO and DPM programs, we offer:

  • Maximum of 100 percent financing for purchases and rate/term refinances
  • A maximum home loan amount of $750,000

For Practicing Doctors (MD, DO, DPM, DDS, DMD), we offer:

  • 100% maximum financing for loans up to $750,000
  • 95% maximum financing for loans up to $1 Million
  • 89.99% maximum financing for loans up to $1.5 Million
  • Please note: Doctors practicing ten or more years are limited to 89.99% financing. Doctors fifteen or more years post training (Residency or Fellowship) also need to be members of SunTrust Private Wealth Management or belong to a practice that is part of Private Wealth Management to be eligible for this loan.  These restrictions do not apply to SunTrust Mortgage Doctor loan refinances.

What you’ll need to consider:

  • In some states, the Doctor Loan product requires a pre-existing depository relationship and is not available for properties located in Alaska, Arizona, Hawaii and Oregon, please consult your loan officer for details.
  • Adjustable-rate mortgages have interest rates that may increase during the life of the loan
  • 100 percent mortgage financing will result in no property equity until the borrower pays down the loan principal through regular mortgage payments and/or the property value appreciates. If property values decline, you could owe more than your property's value. Additional LTV restrictions may apply.

Home Mortgages Resource Center