PHYSICIAN LOAN PROGRAM BENEFITS
 

• Medical student loan debts are not included in the debt-to-income (DTI) calculation, as long as they are deferred a minimum of 12 months

• Income received from future primary employment within 60 days of the note date may be used to qualify

• Income received from a salary increase within 60 days of the note date may be used to qualify

• Gift funds are allowed under this program, subject to standard conventional underwriting guidelines
   

WHO IS ELIGIBLE

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• Medical Residents

• Medical Doctor (MD)

• Doctor of Dental Science (DDS)

• Doctor of Dental Medicine (DMD) or dental surgeon specializing in oral/maxillofacial surgery

• Doctor of Optometry (OD)

• Doctor of Podiatric Medicine (DPM)

• Doctor of Osteopathic Medicine (DO)

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