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

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Our Reviews

4.9 464 Reviews
4.9 156 Reviews
4.9 100 Reviews
4.6 114 Reviews
Travis Fischer
June 9, 2025
This was my second time using Sammamish Mortgage. First when I purchased my home and a second time to refinance. Ryan and Barb were extremely helpful and made the process easy. Highly encourage anyone in the market for a home or refinance to seek this team out!
Travis Garrett Tindell
June 3, 2025
Great rates + great service. They were 2 steps ahead throughout our purchase process. I will be a repeat customer.
Angie Amezcua
June 1, 2025
Process went through fast and smooth love how fast they work.
Mallory Ksenofontov
May 27, 2025
We had an amazing experience working with Nick and Barb. They made this process seamless and we felt very supported along the way!
Kelley Mayer
May 27, 2025
We had a great experience working with Sammamish Mortgage! Their rates and fees were super competitive compared to other estimates we got, and the entire process was so seamless and stress free. Their online system is great and makes keeping track of documents and what needs to be done simple. We worked with Sandra Harrison-Brown and Stacey Roy and they were both incredibly patient with our questions, quick to respond and extremely knowledgeable. We'll definitely be recommending Sammamish Mortgage to our friends and family and would absolutely work with them again on any future purchases or refinances!
Phrank Ramirez
May 23, 2025
I was very happy and satisfied working with Sammamish Mortgage! I intend to use them for all future real estate endeavors!
Evan Boudreaux
May 20, 2025
Sammamish was super helpful and made the mortgage process so much easier. Their live rates tool is a game changer. It was so nice that we didn't have to contact them to see the rates and costs for different properties or to check where the rates were at any given time. It saves time for everyone involved and we really appreciated the transparency. Ryan Shane was so nice and explained everything really well. He made time for us and answered all the questions we had. His team was very efficient and quickly gave us approval letters when requested for different properties. Tonya Baney did a great job making sure everything was in place for the loan and was super helpful in explaining everything to us. She was so efficient that we signed the closing paperwork a week early! It was a load of our minds that everything was finished up early and only had to pick up the keys on the actual closing day.

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