A and N: Doctor Loan Program

Medical residents, recent graduates, and healthcare professionals often carry student loan debt while beginning high-earning careers. The A and N Doctor Loan Program is designed to make homeownership more accessible with flexible options created specifically to the medical community.

Freddie Mac’s BorrowSmart AccessSM mortgage aims to assist borrowers by providing built-in down payment/closing cost assistance.
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Doctor

Program Highlights:

Features

Program Benefits

01

0% down payment up to $1,000,000 purchase price

02

No private mortgage insurance (PMI)

03

720+ credit score required for 0% down-payment

04

Owner-occupied properties only

05

1–2 unit properties eligible

06

Owner-occupied properties only

Eligible for:

• Medical doctors (MD, DO)

• Dentists (DDS, DMD)

• Veterinarians

• Medical residents with employment contracts or verified placement.

There is added flexibility around income structure and student loan considerations, making this program ideal for early-career professionals.

Why This Program Is a Great Fit

• Buy a home sooner — even with limited savings

• Keep more cash on hand with zero down payment option

• Avoid monthly mortgage insurance costs

• Designed specifically for healthcare professionals

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Loan Program
Frequently Asked Questions

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Welcome to a better mortgage experience! In just few minutes you can find out what you qualify for and explore multiple loan options and interest rates. Complete our short and intuitive pre-approval interview to get started.

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