Buy Your Ideal Home with 0% Down - Just for Medical Doctors
Special financing available for MDs, DOs, DMDs, and DDS — whether you're just starting residency or already established. Limited-time opportunity.
Why Doctors Love This Program
Tailored mortgage perks designed specifically for medical professionals.
0% Down Payment Options
Start building equity with minimal upfront costs.
No Mortgage Insurance Needed
Save more each month without the burden of additional fees.
Jumbo Loan Up to $2M
Achieve your homeownership goals with high-value loan solutions.
No Income History? No Problem.
Secure your home financing even if you're new to your practice.
How It Works
Move in faster with a plan made for doctors.
Schedule a Consultation
Connect with our team to explore the best home financing options based on your goals and medical career stage.
Get Pre-Qualified
Submit your basic details and supporting documents to receive a fast, doctor-specific Pre-Qualification
Close on Your New Home
Enjoy a smooth, guided closing process and confidently step into your new home — with expert support every step of the way.
Meet Your Mortgage Advisor
Real guidance from a real person, every step of the way.
Tony Machometa
Producing Branch Manager
NMLS ID#226850
(602)326-7684
17505 N. 79th Avenue Glendale, AZ 85308
Authorized to Lend In: AK, AZ, CA, GA, OR, TX, UT, WI, CO, NV, WA, WY
With over 22 years of experience in the mortgage industry, I’ve had the privilege of helping countless individuals and families achieve their dream of homeownership. Whether you’re buying your first home, upgrading, or refinancing, my team and I are here to guide you every step of the way — from start to finish. We’re dedicated to providing clear communication, outstanding service, and a smooth, stress-free experience.
Make Your Next Move — With Zero Down
A mortgage program built for doctors. No pressure. Just expert guidance.
Frequently Asked Question
Have more questions? Contact us directly—we’re happy to help!
Who is eligible for the Medical Doctor Mortgage Program?
This program is available exclusively to licensed medical professionals, including MDs, DOs, DDS, and DMDs. Both newly licensed and established professionals are welcome.
Is a down payment required?
No. Qualified buyers may be eligible for up to 100% financing with no down payment on mortgages up to $1 million.
Do I need mortgage insurance (PMI)?
No. This program does not require private mortgage insurance (PMI), even with 0% down, helping you save hundreds monthly.
Can I qualify if I have student loan debt?
Yes. Flexible student loan underwriting includes options like using just 0.5% of the loan balance or documented payments directly from the creditor. Deferred loans require additional documentation.
Is income history required?
No. New doctors can qualify without a traditional income history. Future-dated employment contracts or proof of residency start dates may be used.
What credit score is needed?
A minimum credit score of 700 is required to qualify.
Are jumbo loan options available?
Yes. Borrowers can qualify for up to $2 million with tiered loan-to-value (LTV) ratios:
100% financing up to $1 million
95% financing up to $1.5 million
89.99% financing up to $2 million
How long does the qualification process take?
Most pre-qualifications are issued within 24–48 hours of receiving all required documentation.
What makes this program different from a traditional mortgage?
This program was created specifically for medical professionals, offering flexible underwriting, 0% down, no PMI, and streamlined documentation for those early in their careers.
Tony Machometa
Producing Branch Manager | NMLS 226850
17505 N 79th Ave Suite 411
Glendale, AZ 85308
Licensing & Disclaimers
Residential Mortgage, LLC - NMLS #167729
17505 N 79th Ave Suite 411
Glendale, AZ 85308
Residential Mortgage, LLC is a wholly owned subsidiary of Northrim Bank. Established in 1998, we now lend in many states.
Authorized to Lend In: AK, AZ, CA, CO, FL, GA, ID, MT, NV, NM, OR, TX, UT, WA, WI, WY
Equal Housing Lender
Residential Mortgage’s operations, products and/or services do not originate from, and are not endorsed by the Veterans Administration (VA), United States Department of Agriculture (USDA), Department of Housing and Urban Development (HUD) or Federal Housing Administration (FHA). Arizona License #BK-0941441. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License No. 41DBO-183108.