Physician Loans in North Carolina


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Alerus Financial

(AL, AZ, CA, CO, CT, DC, FL, IA, ID, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, TX, UT, WA, WI, WY)

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usually responds within 30 minutes

Alerus Financial

(AL, AZ, CA, CO, CT, DC, FL, IA, ID, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, PA, SC, SD, TN, TX, UT, WA, WI, WY)

$100M Closed Loans

Alerus Financial is a bank established in 1879 that offers comprehensive financial solutions including banking, mortgage, retirement, and wealth management services.

High-income professionals can utilize Alerus Financial's comprehensive suite of services including wealth management, retirement planning, and personal banking. Their personalized financial strategies include investment management, estate planning, and risk management. Alerus also offers business banking and mortgage services. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $1,500,000
Down payment Financing
0%up to $750,000
5%up to $1 million
10%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • DVM
  • OD
  • Fellow
  • Resident
  • DPM
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Alliant Credit Union

(AZ, CO, GA, IL, KS, MN, MO, NC, NV, SC, TN, UT, WA)

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Online

usually responds within 30 minutes

Alliant Credit Union

(AZ, CO, GA, IL, KS, MN, MO, NC, NV, SC, TN, UT, WA)

$100M Closed Loans

Alliant Credit Union, founded in 1935, is a member-owned financial cooperative providing a full range of financial services, with a strong national online presence.

High-income professionals can utilize Alliant Credit Union's services, which include high-rate checking and savings accounts, low-rate loans, and credit cards. Their services also encompass retirement and investment options, mobile and online banking, and financial advice. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: Varies
Down payment Financing
%Varies
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Bank Of America

(All 50 States)

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Online

usually responds within 30 minutes

Bank Of America

(All 50 States)

$100M Closed Loans

Bank of America, founded in 1904, is a leading global financial institution offering a broad range of banking, investing, asset management, and other financial and risk management products and services.

High-income professionals can take advantage of various services from Bank of America, including personalized wealth management, advanced investment strategies, and dedicated advisors for financial planning. They also offer specialized banking services, flexible mortgage options, and exclusive rewards and benefits. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
3%up to $825,000
5%up to $1 million
10%up to $1.5 million
15%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • DVM
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

BankMD

(All 50 States)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

BankMD

(All 50 States)

$100M Closed Loans

BankMD, founded in 2005 and operating via bankmd.com, specializes in providing financial services to medical professionals with a focus on personal loans and wealth management.

High-income professionals can access a suite of services from BankMD, including specialized banking, lending, and investment solutions. The bank's offerings are tailored to meet the unique financial needs of medical professionals, helping them manage and grow their wealth effectively. [ Read Review → ]

  • Minimum credit score: 670
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $850,000
5%up to $1 million
10%up to $2 million
15%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • DPM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Citizens Bank

(CA, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NJ, NY, OH, PA, RI, SC, TN, TX, VA, VT, WV)

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Online

usually responds within 30 minutes

Citizens Bank

(CA, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NJ, NY, OH, PA, RI, SC, TN, TX, VA, VT, WV)

$100M Closed Loans

Citizens Bank, founded in 1828, is a major U.S. commercial bank offering a comprehensive range of retail and commercial banking products and services.

High-income professionals can take advantage of various services from Citizens Bank, including wealth management and investment opportunities. They also offer private banking, retirement planning, and estate services. High-net-worth individuals can benefit from personalized financial strategies, designed to optimize their wealth and secure their financial futures. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $1,500,000
Down payment Financing
5%up to $850,000
10%up to $1 million
15%up to $1.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Fifth Third

(FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV)

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Online

usually responds within 30 minutes

Fifth Third

(FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV)

$100M Closed Loans

Fifth Third, founded in 1858, is a diversified financial services company offering banking, investments, and consumer and commercial lending across the US.

High-income professionals can leverage Fifth Third’s comprehensive financial services which include wealth management, private banking, and investment advisory. These services aim to optimize wealth growth, ensure financial security, and provide custom solutions tailored to individual financial goals. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

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Online

usually responds within 30 minutes

First Citizens

(AZ, CA, CO, FL, GA, KS, MD, MO, NC, NE, NM, NV, OK, OR, SC, TN, TX, VA, WA, WI, WV)

$100M Closed Loans

First Citizens, founded in 1898, is a full-service commercial bank with over 500 branches, offering a wide range of retail and corporate financial services.

High-income professionals can benefit from First Citizens' services, including wealth management, private banking, and insurance. Their offerings also comprise personalized financial planning, customized credit solutions, and estate planning. They provide tailored strategies to optimize financial growth and security. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
20%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • OD
  • CRNA
  • NP
  • PA
  • DC
  • DVM
  • PharmD
  • JD
  • CPA
  • PhD
  • RN

First Federal Savings And Loan Association Of Lakewood

(FL, IL, IN, KY, MD, MI, NC, OH, PA, SC, TN, VA, WV)

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Online

usually responds within 30 minutes

First Federal Savings And Loan Association Of Lakewood

(FL, IL, IN, KY, MD, MI, NC, OH, PA, SC, TN, VA, WV)

$100M Closed Loans

First Federal Savings And Loan Association Of Lakewood, founded in 1935, is a community-focused bank providing a range of financial services including mortgages, personal banking, and business banking.

High-income professionals can take advantage of various services from First Federal Savings And Loan Association of Lakewood. These include diverse investment options, comprehensive wealth management assistance, and tailored lending solutions. The institution also offers a range of personal and business banking services, prioritizing convenience and security. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $1.5 million
15%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First Horizon

(AL, AR, FL, GA, LA, MS, NC, SC, TN, TX, VA)

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Online

usually responds within 30 minutes

First Horizon

(AL, AR, FL, GA, LA, MS, NC, SC, TN, TX, VA)

$100M Closed Loans

First Horizon, founded in 1864, is a leading financial services company in the U.S, offering banking, wealth management, and capital market services.

High-income professionals can access a wide range of services from First Horizon. These include wealth management, retirement planning, and private banking services, all tailored to meet the unique financial needs and objectives of each client. Additionally, First Horizon provides investment advisory and estate planning services. [ Read Review → ]

  • Minimum credit score: 670
  • Maximum loan: $2,500,000
Down payment Financing
0%up to $1.5 million
5%up to $2 million
10%up to $2.5 million
Eligible degrees:
  • MD/DO
  • DPM
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

First National Bank of Pennsylvania

(DC, DE, FL, GA, MD, NC, NJ, OH, PA, SC, TN, VA, WV)

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Online

usually responds within 30 minutes

First National Bank of Pennsylvania

(DC, DE, FL, GA, MD, NC, NJ, OH, PA, SC, TN, VA, WV)

$100M Closed Loans

First National Bank of Pennsylvania, established in 1864, is a full-service financial institution offering commercial banking services across multiple states.

High-income professionals can benefit from First National Bank of Pennsylvania's tailored services, including wealth management, financial planning, private banking, and investment services. Furthermore, FNB offers business banking solutions and personalized lending options aimed at optimizing their financial growth and stability. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1.25 million
5%up to $1.5 million
10%up to $2 million
20%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • CRNA
  • JD
  • DPM
  • OD
  • PharmD
  • NP
  • PA
  • DC
  • CPA
  • PhD
  • RN

Flagstar

(All 50 States Except NY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Flagstar

(All 50 States Except NY)

$100M Closed Loans

Flagstar, founded in 1987, is a leading national bank headquartered in Michigan, offering a broad range of banking, mortgage, and lending operations.

High-income professionals can utilize Flagstar's wealth management services for their financial planning needs. These services include personalized investment strategies, retirement planning, estate planning, and trust services. Additionally, Flagstar offers private banking solutions such as tailored loans and exclusive credit options. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $3,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $3 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • CPA
  • RN
  • DC
  • PhD

GreenState Credit Union

(All 50 States Except CA)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

GreenState Credit Union

(All 50 States Except CA)

$100M Closed Loans

GreenState Credit Union, founded in 1938, is a member-owned financial cooperative providing diverse banking services to more than 350,000 members across the United States.

High-income professionals can take advantage of a variety of services from GreenState Credit Union. These include exclusive checking and savings accounts with competitive interest rates, extensive loan options, wealth management and investment services, retirement planning, and insurance services, all designed to optimize their financial growth and security. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • PharmD
  • NP
  • PA
  • CRNA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Keybank

(AK, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KY, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Keybank

(AK, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KY, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY)

$100M Closed Loans

Keybank, established in 1825, is a regional bank headquartered in Cleveland, Ohio, offering a variety of financial services including retail and commercial banking, investment management, and consumer lending.

High-income professionals at Keybank are provided with comprehensive financial services. These include wealth management, specialized lending, and tailored banking solutions. They also have access to financial planning tools, investment strategy assistance, and estate planning. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $3,500,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
15%up to $2 million
20%up to $3.5 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Laurel Road

(All 50 States)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Laurel Road

(All 50 States)

$100M Closed Loans

Laurel Road, established in 2013, is a fintech company known for its online lending platform, providing student loan refinancing, mortgages, and personal loans.

High-income professionals can leverage Laurel Road's services for personalized financial solutions. The platform offers student loan refinancing, personal loans, mortgages, and high-yield savings accounts. It also provides digital banking services with attractive interest rates, emphasizing transparency and customer support. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: Varies
Down payment Financing
10%Varies
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Liberty Federal Credit Union

(AL, AZ, CA, FL, GA, IN, KY, MS, NC, OH, PA, TN, TX)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Liberty Federal Credit Union

(AL, AZ, CA, FL, GA, IN, KY, MS, NC, OH, PA, TN, TX)

$100M Closed Loans

Liberty Federal Credit Union, established in 1955, is a member-owned financial cooperative providing a range of services including loans, savings, and investments to its members.

High-income professionals can utilize Liberty Federal Credit Union's services for personalized financial management. These include premium savings and checking accounts, low-interest loans, comprehensive investment and retirement planning, tax advisory, and exclusive credit card offers. Their services also extend to providing financial literacy resources and dedicated customer support. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $970,800
5%up to $1.5 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • PharmD
  • DVM
  • OD
  • CRNA
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Northpointe

(All 50 States Except CA, NY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Northpointe

(All 50 States Except CA, NY)

$100M Closed Loans

Northpointe, founded in 1999, is a Michigan-based online banking institution providing comprehensive financial services, including checking, savings, and loans.

High-income professionals can leverage Northpointe's comprehensive financial services, which include high-yield checking and savings accounts, competitive mortgage loans, and tailored lending options. The firm also offers personalized wealth management and investment strategies to optimize asset growth. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $1,000,000
Down payment Financing
0%up to $850,000
10%up to $1 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • PharmD
  • DC
  • CRNA
  • NP
  • PA
  • JD
  • CPA
  • PhD
  • RN

PNC Bank

(All 50 States Except )

Match Banks Contact Send Email

Online

usually responds within 30 minutes

PNC Bank

(All 50 States Except )

$100M Closed Loans

PNC Bank, established in 1845, is a comprehensive financial services corporation offering a wide range of services including retail banking, asset management, and corporate banking.

High-income professionals can benefit from PNC Bank's tailored wealth management and financial planning services. These include investment advising, estate planning, and private banking. PNC also offers specialty services such as asset management for executives and business succession planning. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $2,000,000
Down payment Financing
5%up to $1 million
10%up to $1.5 million
15%up to $2 million
20%Varies
Eligible degrees:
  • MD/DO
  • Fellow
  • Resident
  • DDS/DMD
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Southstate Bank

(AL, FL, GA, NC, SC, VA)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Southstate Bank

(AL, FL, GA, NC, SC, VA)

$100M Closed Loans

Southstate Bank, founded in 1934, is a regional financial institution serving the Southeastern US, providing a range of banking services including loans, deposits, and wealth management.

High-income professionals can leverage Southstate Bank's comprehensive financial services, including premium checking accounts, wealth management, and private banking. These services are tailored to optimize the management of significant assets and investments, provide tax-efficient strategies, and ensure financial growth. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,250,000
Down payment Financing
0%up to $1.25 million
5%up to $1.5 million
10%up to $2.25 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • DPM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

TD Bank

(CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

TD Bank

(CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT)

$100M Closed Loans

TD Bank, founded in 1852, is a leading North American banking service, offering a comprehensive range of retail, small business, and commercial banking products and services.

High-income professionals are catered to by TD Bank through distinct services such as wealth management, private banking, and estate planning. This includes personalized financial strategies, access to dedicated banking specialists, and advice on wealth preservation and transfer. [ Read Review → ]

  • Minimum credit score: 700
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

The Federal Savings Bank

(CO, CT, DC, GA, IA, IL, IN, KY, MA, MD, MI, MN, MS, MT, NC, ND, NJ, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

The Federal Savings Bank

(CO, CT, DC, GA, IA, IL, IN, KY, MA, MD, MI, MN, MS, MT, NC, ND, NJ, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY)

$100M Closed Loans

The Federal Savings Bank, founded in 2000, is a veteran-owned, federally chartered bank offering mortgage services and banking products nationwide.

High-income professionals can leverage The Federal Savings Bank's services for tailored banking solutions. These include wealth management, personalized mortgage options, and private banking. The bank also provides advisory services for investment strategies, optimizing financial assets, and long-term financial planning. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

The Huntington National Bank

(CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

The Huntington National Bank

(CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY)

$100M Closed Loans

The Huntington National Bank, established in 1866, is a full-service banking provider serving consumers, small businesses, and commercial markets primarily in the Midwest and Southeast U.S.

High-income professionals can leverage Huntington National Bank's wealth management services, which include financial planning, investment management, private banking, and trust services. These offerings are designed to optimize wealth growth, sustain income, and secure financial futures. [ Read Review → ]

  • Minimum credit score: 680
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.25 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • DPM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

Truist

(All 50 States Except AK, AR, HI, OR)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

Truist

(All 50 States Except AK, AR, HI, OR)

$100M Closed Loans

Truist, formed by the merger of BB&T and SunTrust in 2019, is a leading banking institution offering a comprehensive range of financial services across the United States.

High-income professionals benefit from Truist's comprehensive wealth management services. These services include personalized financial planning, investment management, estate planning, and risk management. Truist also offers tailored lending solutions and private banking options to meet unique financial needs. [ Read Review → ]

  • Minimum credit score: 720
  • Maximum loan: $2,000,000
Down payment Financing
0%up to $1 million
5%up to $1.5 million
10%up to $2 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DPM
  • DVM
  • OD
  • CRNA
  • PharmD
  • NP
  • PA
  • JD
  • DC
  • CPA
  • PhD
  • RN

United Community Bank

(AL, FL, GA, NC, SC, TN)

Match Banks Contact Send Email

Online

usually responds within 30 minutes

United Community Bank

(AL, FL, GA, NC, SC, TN)

$100M Closed Loans

United Community Bank, founded in 1950, is a regional US bank offering comprehensive financial services, known for its customer-centric approach and community involvement.

High-income professionals can benefit from United Community Bank's diverse services, including wealth management, retirement planning, and private banking. The bank also offers customized lending solutions, insurance services, and investment strategies tailored to meet individual financial goals. [ Read Review → ]

  • Minimum credit score: Not reported
  • Maximum loan: $1,000,000
Down payment Financing
0%up to $766,550
5%up to $1 million
Eligible degrees:
  • MD/DO
  • DDS/DMD
  • Fellow
  • Resident
  • DVM
  • NP
  • PA
  • DPM
  • OD
  • CRNA
  • PharmD
  • JD
  • DC
  • CPA
  • PhD
  • RN

Key Terms

  • Physicians have access to competitive interest rates for high loan amounts up to $2.5 million or more, depending on the physician mortgage lender.
  • Student loan payments typically receive favorable treatment with a doctor loan, making it easier to qualify for a mortgage.
  • Physician mortgages don’t require private mortgage insurance (PMI) even with a 0% down payment.

The twelfth state to join the United States in 1789, North Carolina is home to the largest research park in the US named Research Triangle Park. The state is bordered by the Atlantic Ocean, Virginia, Georgia, South Carolina, and Tennessee and is home to a wide range of professionals, including almost 27,000 working physicians

For many citizens of the state, the thought of owning a home in North Carolina may seem out of reach. According to the Canopy Realtor Association, the average cost of a home for sale in North Carolina is $328,168. 

As a doctor or a dentist, buying a home in North Carolina may be more accessible than you realize. The state’s physician mortgage loan program allows many to buy a home without a large down payment requirement. Some may also qualify for no down payment loans as well.

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Advantages and disadvantages of North Carolina physician mortgage loans

If you are looking into a North Carolina physician mortgage loan, you may want to take the time to look at the upsides and downsides of these loans. Understanding all that is involved can provide the clarity needed to make the best decision. 

The Pros of a North Carolina doctor mortgage:

  • 100 percent financing, in many cases
  • Doctors can qualify based on a signed contract, in some scenarios
  • No PMI required
  • Favorable treatment of student loan repayments

Most new physicians don’t have another property to refinance and want to start fresh in North Carolina with a new home. This can make getting access to the right funds for a down payment a real challenge for a medical student or medical resident. Thankfully, borrowers can use a doctor loan program to bridge the gap, making the home buying process an easier one. With more flexible down payment options, this opens up more possibilities to buy real estate for healthcare professionals.

The cons of a North Carolina doctor mortgage:

  • High limits can cause you to run up too much additional debt
  • Lenders sometimes require additional, open accounts

Additionally, these loans can sometimes come with interest rates that are higher than those associated with conventional loans. Providers should always do their research about monthly payments, low down payment requirements, interest rates, credit scores required, and more when deciding to go forward with a home purchase under a doctor loan. Qualifying physicians can get a new home that allows them to start off in their new job on the right foot when a conventional mortgage or VA loan just don’t give enough flexibility for the unique position of a doctor.

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Should you use a North Carolina physician mortgage loan?

“Am I the right fit for a doctor mortgage?” If you are asking yourself this question, consider the following questions, too:

  1. Are you committed to your current job?
  2. Do you want to remain in your region of North Carolina?
  3. Are you okay with higher interest rates?

If you said no to any of these questions, take some time to determine whether a doctor mortgage is really the best fit for you. If the answer was ‘yes’ to all of the above, one of these loans may be just the financial leverage you need. 

Examples of doctors who take out physician loans in North Carolina

Doctors and professionals with situations similar to yours are taking out physician loans across North Carolina. The stories below are just some of the reasons why doctors are reaching out to lenders for physician loans. 

Doctor whose DTI ratio is skewed by debt

Having started a new position in pediatrics at UNC Hospitals just outside Durham, Roger assumed he would be a natural fit for a conventional loan. Little did he know that the student debt he was still carrying was throwing his debt-to-income ratio off, despite his great salary. Fortunately for Roger, a local lender is extending doctor mortgages to physicians like him. This lender understands why his student debt exists and that he will continue to be a high earner for years to come. 

Doctor who wants to maximize leverage

Terry is happy being a doctor, but he may have missed a second calling in life. He has always excelled at leveraging various financial instruments in order to get a great return on investments. Having seen that a regional lender is offering doctor mortgages at a great rate, he has jumped on the opportunity to finance a new home at zero down. 

Looking for a physician loan in a different state?

If you’re looking to explore the best physician loans in other states, click on your state below.

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Joshua Holt is a licensed mortgage loan originator (NMLS #2306824) and founder of Biglaw Investor. His mortgage expertise lies in the areas of professional mortgage loans, particularly for lawyers, doctors and other high-income professionals. Prior to Biglaw Investor, Josh practiced private equity mergers & acquisition law for one of the largest law firms in the country.

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