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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500+
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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 right 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
$1 Lender Fee
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
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Apply
Mortgage Brokers
Sometimes
Rarely
No
Rarely
Sometimes
No
Rarely
Big Banks
No
Rarely
Rarely
Rarely
No
Sometimes
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
No
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
$1 Lender Fee
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
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

4.9 487 Reviews
4.9 161 Reviews
4.9 100 Reviews
4.6 114 Reviews
Brad
September 13, 2025
From start to finish, the entire process went smooth! Both Jessica and Tonya were great to work with and ensured we understood everything at each milestone. Thank you for assisting us in purchasing our new home! Cant recommend Sammamish Mortgage enough!
Thomas Zander
September 9, 2025
One word, Great!
Thomas Bierlein
September 9, 2025
As a realtor, I work with many lenders, and Sammamish Mortgage is always a top recommendation for my clients. When it came time for me to purchase an income property, it was clear they were the right mortgage broker for me as well. The team at Sammamish Mortgage is smart, caring, and incredibly responsive. I would give Ryan Shane and his team six stars if that were possible!
Anh Nguyen
August 25, 2025
As a first time homebuyer, I entered the process with lots of questions. Sandra and Shelly were incredibly patient, supportive, and educational towards me throughout the entire purchasing process. The fact that Sammamish has no origination fees and competitive rates makes it stand out from the rest!
Sarah Vu
August 22, 2025
Nick and Tonya worked with me on my loan, and they are an excellent team! I chose them out of the 6+ lenders I contacted -- in fact, two of the other ones I reached out to even advised me to choose Sammamish because their rate could not be beaten. Excellent rate aside, the team is very quick to respond on email/phone and are happy to explain any questions you have. I would highly recommend them.
Christie Getz
August 20, 2025
Loved working with them for our mortgage. Very nice, knowledgeable, and responsive. Everything was done in a timely manner and they made it as easy as possible. Would definitely recommend and use again!
Shuchi Rana
August 19, 2025
Everything was very fast and smooth. The team is very responsive and helpful! Highly recommended.

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