Designed for Doctors, Dentists & Healthcare Heroes in North Carolina — and Beyond
Welcome Home, Medical Professionals
At New American Funding, we’re proud to serve the medical professionals who dedicate their lives to caring for others. Through our Medical Professionals Mortgage Program, we help doctors, dentists, residents, fellows, and other healthcare professionals buy homes with flexible financing options designed specifically for your career path.
Whether you’re practicing in North Carolina or relocating from out of state, our team understands the unique financial challenges and opportunities that come with a medical career — and we’re here to make the homebuying process smooth, fast, and stress-free.
Who This Program Is For
This program is specifically designed for licensed and future medical professionals, including:
1. Medical Doctor (MD)
2. Doctor of Osteopathy (DO)
3. Doctor of Dental Science or Surgery (DDS)
4. Doctor of Dental Medicine (DMD)
5. Doctor of Ophthalmology (MD or DO)
6. Doctor of Psychiatry (MD or DO)
7. Doctor of Pharmacy (PharmD)
8. Doctor of Veterinary Medicine (VMD)
9. Doctor of Podiatric Medicine (DPM)
10. Certified Registered Nurse Anesthetist (CRNA)
11. Medical residents, fellows, or interns holding one of the above degrees
Eligibility Requirements:
* Borrowers must hold a minimum of an M.D., D.O., D.D.S., D.M.D., DNP, or DNAP degree
* Must have an active employment contract or verification of accepted employment terms
* Non-occupant co-borrowers are allowed, provided their income does not exceed 50% of total qualifying income
Why Medical Professionals Choose Us
We’re not just a mortgage company — we’re a trusted partner for medical professionals.
✔ Deep experience working with healthcare borrowers
✔ Clear, honest guidance (no mortgage jargon overload)
✔ Fast pre-approvals to keep up with competitive markets
✔ Personalized strategies for long-term financial success
We understand student loan structures, employment contracts, and the realities of transitioning from residency to practice.
Loan Features & Program Highlights
This program offers powerful advantages tailored to medical professionals:
- 100% Financing Available — No down payment required on eligible transactions
- No Private Mortgage Insurance (PMI)
- Loan amounts up to $2,000,000
- Primary Residence only (1-unit properties)
- Purchase and Rate-Term Refinance options
- Flexible underwriting** designed for medical careers
Available Loan Terms
* 15-Year Fixed Rate Mortgage
* 30-Year Fixed Rate Mortgage
* 5/6 SOFR ARM
* 7/6 SOFR ARM
* 10/6 SOFR ARM
These options allow you to choose the structure that best fits your income trajectory and long-term goals.
Buying or Relocating to North Carolina?
North Carolina continues to be a top destination for medical professionals thanks to:
- Strong healthcare systems
- Growing cities like Raleigh, Durham, Charlotte, and Chapel Hill
- World-class universities and hospitals
- Affordable housing compared to other metro areas
We also assist medical professionals relocating from other states and can coordinate financing before you arrive.
Simple, Stress-Free Process
1. Schedule a consultation with a medical-loan specialist
2. Get pre-approved quickly using your employment contract
3. Shop with confidence knowing your numbers are solid
4. Close smoothly with a team that stays proactive until keys-in-hand
Ready to Get Started?
Your career is demanding — your mortgage process shouldn’t be.
Let’s talk about your goals and see if the Medical Professionals Program is right for you.
Why New American Funding
- Nationwide lending strength with local expertise
- Dedicated loan officers who specialize in medical professional loans
- Proven track record of closing complex loans on time
- Transparent communication from application to closing
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