As part of Climate First Bank’s commitment to our community, we offer industry-leading financing products tailored specifically to meet the needs of physicians. Our Physician Mortgage Loan program is designed for Medical Doctors (MD, DO), Doctors of Podiatric Medicine (DPM), Dentists (DDS, DMD), and Oral and Maxillofacial Surgeons (OMS) who are seeking a smarter path to homeownership.

Eligible applicants include those licensed to practice in the U.S. and in good standing without any restrictions. Individuals currently in residency or fellowship programs may also apply, provided they can demonstrate proof of employment.

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What sets physician mortgages apart?

Many mortgage financing packages nationwide require substantial down payments and private mortgage insurance (PMI). For recent medical school graduates, meeting these requirements can be challenging. That’s why Climate First Bank flexible financing options with low down payment requirements. Our services are designed for those pursuing careers in the medical field who may otherwise face barriers to obtaining mortgage financing. We offer fixed-rate financing of up to 100% for loans up to $2,500,000*.

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Why choose Climate First Bank?

With a growing number of financing options available, several factors distinguish Climate First Bank from other lenders. We offer 30-year fixed interest rates on all of our physician mortgages, giving you the assurance that your monthly payments will remain consistent over time. Moreover, our rates are significantly more competitive than those offered by most lenders across the United States.

Most lenders require borrowers to obtain private mortgage insurance, which can substantially increase the cost of homeownership. At Climate First Bank, we eliminate this requirement, providing our physician clients with consistent monthly savings and greater payment flexibility. Additionally, physicians who finance their homes with us will never face prepayment penalties, allowing them to pay ahead without added costs.

With competitive interest rates, personalized service, and specialized loan terms, physicians can feel confident that financing their mortgage with Climate First Bank means partnering with a financial institution that truly understands their needs. To get started, visit https://www.climatefirstbank.com/physician-mortgages and connect with one of our bankers today.

*Climate First Bank NMLS #2169275. All loans subject to credit approval. Some restrictions apply. Subject to change without notice.
Interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible and the consumer should consult their tax advisor.

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