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FDIC-Insured-Backed by the full faith and credit of the U.S. Government

Personal Lending

Physician Mortgage Loans

Up to 100% financing for loans up to $4,000,0001

Physician holding a coffee mug

Mortgages designed for medical professionals

Welcome to Climate First Bank - the nation's first FDIC-insured, values-based digital community bank dedicated to environmental and social impact. Our Physician Mortgage Loan program is designed specifically for doctors, residents, and medical professionals seeking a smarter path to homeownership.

Doctor-friendly mortgage solutions tailored to your unique financial journey.

  • Up to 100% financing for loans up to $4,000,000
  • Primary residence purchase
  • Fixed rate options available
  • No mortgage insurance required
  • No pre-payment penalty
  • Competitive interest rates
  • Minimum FICO score 680
Get Started

Our physician mortgage program is available to qualified medical professionals.

  • Medical Doctors (MD, DO, OMS, DPM)
  • Dentists (DDS, DMD)
  • Veterinarians (DVM, VMD)
  • Residents and fellows in eligible programs
  • New graduates with signed employment contracts
Connect With Us

Ready to take the next step? Our mortgage specialists are here to help.

  • Fill out the form below to get started
  • A mortgage specialist will contact you within 1 business day
  • Get personalized rate quotes
  • Ask questions about the application process
Contact a Lender

Why choose Climate First Bank?

100% Financing

Up to $4,000,000 with no down payment required for qualified borrowers.

No PMI

Skip the private mortgage insurance even with low or no down payment.

Competitive Rates

Fixed rate options with terms designed for medical professionals.

Climate Impact

Your mortgage supports sustainable lending and climate-positive initiatives.

Contact a Physician Mortgage Lender

Enter your information below to speak with an expert about physician mortgage options.

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NMLS # 2169275

Resources

Understanding Physician Mortgages: A Comprehensive Guide How to Qualify for a Physician Mortgage: Eligibility Criteria Explained Top Tips for Physicians Looking to Buy Their First Home

Go solar with Climate First Bank

Our solar loan process is straightforward and hassle-free. Enjoy quick decisions and competitive interest rates. No Dealer Fees!

Get Started

1. 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.