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.

4.9
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

4.9 499 Reviews
4.9 164 Reviews
4.9 102 Reviews
4.6 114 Reviews
Avsar Dahal
November 9, 2025
Ryan matched the best mortgage rate we were offered from a non local company. Then we worked with Barb and Ryan to fund our loan. Barb was very thorough in reviewing our documents and answered every question along the way. Our loan was funded before the deadline, so kudos to the whole team to take us to the finish line.
Jordan Hansen
November 7, 2025
I felt that the experience was smooth and the portal for updating documents was easy to use and my loan processor was very conscientious in keeping me updated on what I needed to upload. I appreciated that from the moment I locked my rate until I closed my loan only took 20 days. The realtors that I worked with were even impressed that it was able to close that quickly.
Michael Saia
October 22, 2025
Sammamish Mortgage made the entire process fast, organized, and smooth. Their team communicated clearly every step of the way and made what can usually be a stressful experience feel effortless. Ive purchased a home before through a different company, and the difference was night and day. Sammamish was far more efficient, transparent, and professional. Everything moved quickly, documents were easy to understand, my documents were easy to upload, and any questions I had were answered right away. I truly felt like they cared about making things easy for me. Ill definitely be coming back to Sammamish Mortgage for any future home purchases or refinances. Highly recommend!
Joe Flack
October 13, 2025
We had a very positive experience with Sammamish Mortgage. In particular, the loan processor, Shawn, was outstanding in his ability to ensure a smooth transaction even through underwriting. He has a keen ability to integrate disparate financial events and present them coherently for underwriting. He made the entire loan origination process smooth and stress-free, keeping us informed every step of the way. Shawn and the loan officers with whom we interacted (Trevor and Jessica) were not only warm and respectful in our discussions but they also worked diligently and efficiently to originate the loan so that our home purchase could close on schedule.
Jon Cole
October 8, 2025
Amazing rates, great communication, very helpful employees.
Jessie Harrington
September 29, 2025
My partner and I bought our first home with Sammamish Mortgage. We worked with Jessica and Barb and couldnt have had a better experience. Both were very responsive, thorough and made sure we understood what was happening throughout the entire process. We will definitely be referring all of our family and friends here!!
Andrew
September 27, 2025
10/10 service. Communication has been excellent throughout the process. I had some unexpected circumstances arise at the last minute before closing, and the staff at Sammamish was nothing but understanding and gracious.

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