Doctors Mortgage Program


Doctor's Mortgage Program

Aerial view of a neighborhood
Aerial view of a neighborhood


Doctor's Mortgage Program

A Unique Program for Medical Professionals

United Bank understands that as a medical professional*, you may be in a unique financial situation that may make this program a good option for you.

Doctor’s Mortgage Highlights:

  • Low Down Payment Options
  • No Private Mortgage Insurance Required
  • Purchases or No Cash-Out Refinances
  • Primary Residence Only
  • Up to 100% financing available depending upon the loan amount and product type2
  • Adjustable Rate or Fixed options available
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*Qualified doctors include PharmD, MD, DO, DMD/DDS, psychiatrists licensed as MDs and veterinarians
(DVM or VDM). This program is also available to applicants still in residency, internship or fellowship (with certain restrictions).
1. Loan program is available in the following lending territory: VA, MD, DC, DE, GA, KY**, NC, OH**, SC, WV, and PA**. **Property must be located within 90 miles of a United Bank branch.
2. 100/100 Max Loan-to-Value (LTV)/Combined Loan-to-Value (CLTV) to $1.0 million | 89.99/89.99 max LTV/CLTV to $1.25 million. Condo: 89.99/89.99 max LTV/CLTV to $1.0 million | 85/85 LTV/CLTV to $1.25 million.
United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.
This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required.  Speak with a Mortgage Loan Officer for more specific information.
United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.