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JD MORTGAGE® connects you with lenders offering low to no down payment mortgages designed specifically for high-income professionals. We find the lenders that allow jumbo loan balances, relaxed debt-to-income ratios and typically do not require private mortgage insurance (PMI).
Offered exclusively through Biglaw Investor, we make it incredibly simple to find the best mortgage for your home financing needs.
I’m an associate at a firm in Houston and used JD Mortgage thanks to your advice! The experience was great—they were super fast and responsive.” —Mary Kate Raffetto Beck Redden LLP
For a JD Mortgage, I had good luck with IBERIABank. [They] made this process very smooth.” —Clint Cowan Lynn Pinker Hurst & Schwegmann
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| % | Varies |
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Arvest Bank, founded in 1961, is a diversified financial services company headquartered in Bentonville, Arkansas, offering a full range of banking, mortgage, investment, and insurance products.
High-income professionals can utilize Arvest Bank's comprehensive financial services, including wealth management, private banking, and investment guidance. The bank offers tailored solutions, like asset management and estate planning, to effectively grow and safeguard their wealth. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.25 million |
| 5% | up to $1.75 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Bok Financial, established in 1910, is a top-tier U.S. financial services company providing commercial and consumer banking, investment and trust services across eight states.
High-income professionals can take advantage of Bok Financial's wealth management services, which include financial planning, investment management, and private banking. They also offer tax strategies, estate planning, and insurance solutions to secure and grow wealth. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
| 20% | up to $2.5 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 3% | up to $825,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1 million |
| 10% | up to $2 million |
| 15% | up to $3 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Bell Bank, founded in 1966 as State Bank of Fargo, is a full-service, independent bank specializing in banking and wealth management, known for its strong customer relationships.
High-income professionals can leverage Bell Bank's premier services, offering personalized wealth management, private banking, and investment strategies. They also provide retirement planning and trust services, to ensure long-term financial security and legacy management. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Berkshire Bank, established in 1846, is a Massachusetts-based community bank offering comprehensive personal, business banking, and wealth management services.
High-income professionals can access numerous services from Berkshire Bank. These include wealth management, financial planning, private banking, comprehensive investment strategies, and retirement planning. The bank also offers tailored lending solutions, estate planning, and insurance services to protect their wealth. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
$100M Closed Loans
Broadway National Bank, established in 1941, is a reputable financial institution offering comprehensive banking services, including loans, deposits, and wealth management to individuals and businesses.
High-income professionals can benefit from Broadway National Bank's range of services. These include personalized wealth management, business banking solutions, and high-yield checking accounts. The bank also offers estate planning, investment services, and personalized financial advice for complex financial situations. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $766,550 |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 5% | up to $850,000 |
| 10% | up to $1 million |
| 15% | up to $1.5 million |
$100M Closed Loans
Consumers Credit Union, founded in 1910, is a member-owned financial institution offering a wide array of services including loans, savings accounts, and investment opportunities.
High-income professionals can benefit from Consumers Credit Union's services like premium checking accounts, high-yield savings options, and personalized financial planning. They also offer a range of loan solutions, including mortgages, auto loans, and personal loans. These services are designed to optimize wealth management and growth. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1 million |
$100M Closed Loans
DFCU Financial, established in 1950, is Michigan's largest credit union, offering a wide array of banking services including loans, savings, and investment options.
High-income professionals can benefit from DFCU Financial's wealth management services, including financial planning, investment services, and retirement planning. Additional offerings encompass insurance solutions, private banking, and specialized lending options. The firm's expert advisors provide personalized guidance to help clients optimize their financial health and achieve their goals. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 10% | up to $1.5 million |
$100M Closed Loans
Extraco Banks, established in 1902, is a Texas-based financial institution providing a comprehensive range of banking, mortgage, insurance, and investment services.
High-income professionals at Extraco Banks can access a suite of comprehensive services including wealth management, private banking, and mortgage lending. These offerings are designed to optimize financial growth, provide personalized banking experiences, and facilitate property acquisition respectively. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 3% | up to $1 million |
| 10% | up to $1.5 million |
$100M Closed Loans
Fidelity Bank, founded in 1905, is a comprehensive financial institution offering diverse services including personal, business banking, and wealth management.
High-income professionals can leverage Fidelity Bank's services which include personalized wealth management, comprehensive financial planning, and investment management. Additional services encompass retirement planning, tax strategy, and estate planning, all designed to maximize and protect their wealth. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
$100M Closed Loans
Fidelity Bank of Pennsylvania, founded in 1903, is a community-focused financial institution that offers a diverse range of banking, investment, and insurance solutions.
High-income professionals can take advantage of a broad range of services from Fidelity Bank. These include personalized wealth management, investment, retirement planning, and private banking services. The bank also offers specialized financial guidance and resources to ensure optimal asset growth and protection. [ Read Review → ]
| Down payment | Financing |
|---|---|
| % | up to $2 million |
| 0% | up to $1 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
$100M Closed Loans
First Bank, established in 1935, is a comprehensive financial institution offering a broad range of banking, insurance and investment services across the globe.
High-income professionals can take advantage of a host of services from First Bank. These include personalized wealth management, high-yield savings accounts, and exclusive credit offerings. Additionally, they offer robust investment services, tailored mortgage options, and comprehensive insurance products. First Bank prioritizes privacy, ensuring secure transactions every time. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $400,000 |
| 5% | up to $1 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
• Online
usually responds within 30 minutes
$100M Closed Loans
First Federal Bank of Kansas City, established in 1934, is a community-focused institution providing comprehensive banking services including loans, deposits, and mortgage options.
High-income professionals can leverage First Federal Bank of Kansas City's suite of services, including specialized loan programs, wealth management advice, and personalized banking. The bank offers comprehensive financial solutions, such as mortgages, savings accounts, checking accounts, and online banking to facilitate seamless financial management. [ Read Review → ]
| Down payment | Financing |
|---|---|
| % | up to $1.5 million |
| 0% | up to $1 million |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
$100M Closed Loans
First Financial Bank, founded in 1890, is a comprehensive financial services institution providing commercial banking, consumer banking, wealth management, and mortgage services.
High-income professionals can utilize First Financial Bank's extensive services, including tailored wealth management, private banking, estate planning, and investment services. They also offer dedicated financial advisors to help clients make informed financial decisions. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $650,000 |
| 5% | up to $1 million |
| 10% | Varies |
$100M Closed Loans
First Financial Bank, founded in 1863, is a regional banking institution headquartered in Cincinnati, Ohio, offering a variety of financial services including personal, business banking, and wealth management.
High-income professionals at First Financial Bank benefit from personalized wealth management services, including investment, retirement, and estate planning. The bank also offers private banking with tailored solutions for complex financial needs. Low-interest rate loans and mortgage options are available, paired with advanced online banking tools for convenience. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.5 million |
| 5% | up to $2 million |
| 10% | up to $2.5 million |
$100M Closed Loans
First Independence Bank, established in 1970, is a Detroit-based minority depository institution offering comprehensive banking services primarily to underserved communities.
High-income professionals can take advantage of First Independence Bank's array of services, including bespoke wealth management, estate planning, business banking, and home mortgage solutions. The bank also provides personalized private banking services, including tailored loans and exclusive savings accounts. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.35 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
First Merchants, founded in 1893, is a financial services company based in Indiana, offering personal banking, business banking, mortgage services, and wealth management.
High-income professionals can benefit from First Merchants' range of services including wealth management, private banking, and tailored financial advice. These services are designed to optimize asset growth, ensure financial security, and facilitate custom financial strategies. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
$100M Closed Loans
First National Bank, established in 1901 in Texas, offers a comprehensive range of banking services including personal, business, and agricultural finance.
High-income professionals at First National Bank are offered services such as wealth management, estate planning, and financial planning. They also benefit from private banking privileges, including tailored loans, premium interest rates, and personalized financial advice. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1.25 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
First National Bank of Omaha, founded in 1857, is the largest privately-owned bank in the U.S., offering a full range of banking and financial services across multiple states.
High-income professionals can take advantage of the First National Bank of Omaha's services, which include wealth management, comprehensive financial planning, private banking, and trust services. FNBO also offers personalized strategies for investment, estate planning, and managing retirement assets. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
• Online
usually responds within 30 minutes
$100M Closed Loans
First United Bank and Trust Company, founded in 1900, is a full-service financial institution offering a wide range of personal, business, and wealth management solutions.
High-income professionals can benefit from First United Bank and Trust Company's wealth management services, including comprehensive financial planning, investment management, and trust services. They also offer personal banking solutions such as mortgage loans, and private and commercial banking. [ Read Review → ]
| Down payment | Financing |
|---|---|
| % | Varies |
• Online
usually responds within 30 minutes
$100M Closed Loans
First Western Trust, founded in 2004, is a private bank and wealth management company, providing a comprehensive suite of financial services across the Western U.S.
High-income professionals can utilize First Western Trust's services for comprehensive wealth planning and management. Offerings include investment consulting, private banking, trust and estate planning, and retirement planning. Tailored strategies are designed to optimize financial growth and security. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1 million |
| 10% | up to $1.5 million |
$100M Closed Loans
Flagstar Bank is a full-service bank and one of the largest regional banks in the country, offering a broad range of consumer and commercial financial solutions, including banking, home lending, private banking, and wealth management.
High-income professionals can utilize Flagstar's mortgage products which are specifically built for physicians and other high-income professionals. These loans may have flexible qualifications, lower costs than a conventional mortgage, and low or even no down payment. You must be within 10 years of starting your profession. There are also jumbo loan options up to $3 million. Flagstar Bank N.A. is an Equal Housing Lender | Member FDIC. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $3 million |
$100M Closed Loans
Frandsen Bank & Trust, established in 1982, is a full-service, community-oriented financial institution with over 35 locations across Minnesota, North Dakota, and Wisconsin.
High-income professionals can utilize Frandsen Bank & Trust's comprehensive financial services, including planning, wealth management, and private banking. The bank provides personalized strategies to manage, grow, and protect wealth, with a keen focus on individual financial goals and circumstances. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Fulton Bank, founded in 1882, is a full-service commercial bank operating across five states, offering a range of financial solutions from personal banking to wealth management.
High-income professionals can take advantage of Fulton Bank's diverse services, including wealth management, financial planning, private banking, and investment services. The bank offers personalized financial strategies, focusing on long-term growth and security. It also provides specialized lending options and deposit solutions to meet unique needs. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.5 million |
| 5% | up to $2 million |
| 10% | up to $3 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
$100M Closed Loans
Happy Bank, founded in 2001, is an online financial institution offering a range of services including checking accounts, savings accounts, loans, and credit cards, with a commitment to providing outstanding customer service and innovative, user-friendly digital platforms.
High-income professionals can take advantage of Happy Bank's comprehensive financial services. These include personalized wealth management, high-yield savings accounts, exclusive credit opportunities, and tax optimization strategies. The bank also offers bespoke financial consultation to help clients maximize their wealth and achieve financial goals. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
| 15% | up to $3 million |
$100M Closed Loans
Horizon Bank, founded in 1873, is a community-centric financial institution based in Michigan, offering comprehensive banking, investment, and wealth management services.
High-income professionals at Horizon Bank can avail of a range of services, including wealth management, private banking, investment options, estate planning, and tax strategies. The bank also offers tailored financial advice, ensuring optimal asset growth and security. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | Varies |
• Online
usually responds within 30 minutes
$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 → ]
| 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 |
$100M Closed Loans
Lake Michigan Credit Union, established in 1933, is a member-owned financial institution providing a comprehensive range of services including banking, mortgages, and insurance.
High-income professionals can benefit from Lake Michigan Credit Union's services, which include high-yield checking and savings accounts, low-rate mortgages, business and personal loans, and wealth management. The Credit Union also offers comprehensive insurance options and personalized financial advice. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
| 15% | up to $1.5 million |
| 20% | up to $2 million |
$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 → ]
| Down payment | Financing |
|---|---|
| 10% | Varies |
• Online
usually responds within 30 minutes
$100M Closed Loans
Leader Bank, established in 2002, is a Massachusetts-based community bank that offers personal and business banking services with a strong digital focus.
High-income professionals can take advantage of Leader Bank's comprehensive suite of services. These include personalized banking solutions, mortgage services, commercial lending, equipment financing, and wealth management. Leader Bank prioritizes convenience with online and mobile banking options. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 10% | Varies |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $970,800 |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
$100M Closed Loans
Mercantile Bank, established in 1997, is a Michigan-based community bank specializing in commercial and consumer banking, mortgage lending, and wealth management services.
High-income professionals can take advantage of Mercantile Bank's customized services, including personalized wealth management, tax planning, estate planning, and retirement advice. The bank offers business banking solutions, commercial loans, as well as a full suite of digital banking services. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.5 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Michigan State University Federal Credit Union, established in 1937, is a member-owned financial cooperative providing an array of services, including loans, savings, investments, and insurance.
High-income professionals can access a wide range of services from the Michigan State University Federal Credit Union. These include wealth management, investment services, estate planning, and retirement strategies. Additionally, they offer personalized financial planning, business loans, and insurance services. This comprehensive suite of services provides a one-stop solution for [ Read Review → ]
| Down payment | Financing |
|---|---|
| % | up to $3 million |
| 3% | Varies |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 10% | up to $1 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Northwest Bank, established in 1896, is a community-based financial institution providing a range of personal, business, and investment services across the Midwest.
High-income professionals can access a range of specialized services at Northwest Bank. These include personalized wealth management, tax-efficient investment strategies, and estate planning. The bank also offers private banking services, such as tailored mortgage solutions and premium banking products. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $950,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Notre Dame Federal Credit Union, founded in 1941, is a member-owned, not-for-profit financial cooperative serving the Notre Dame community with diversified banking services.
High-income professionals can take advantage of Notre Dame Federal Credit Union's services which include exclusive checking accounts, high-yield savings, wealth management, mortgage solutions, and personal loans. Comprehensive insurance plans and specialized financial advice are also offered to cater to their unique financial needs and goals. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $900,000 |
• Online
usually responds within 30 minutes
$100M Closed Loans
Old National Bank, founded in 1834, is an Indiana-based financial institution offering a broad range of services including retail and commercial banking, wealth management, and investment services.
High-income professionals can utilize Old National Bank's services for personalized wealth management, including investment management, trust services, and private banking. They also provide retirement plan services, estate planning, and philanthropy management, ensuring comprehensive financial care. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1.25 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 5% | up to $1 million |
| 10% | up to $1.5 million |
| 15% | up to $2 million |
| 20% | Varies |
$100M Closed Loans
Prosperity Bank, founded in 1983, is a Texas-based financial institution providing a range of services including retail banking, loans, and investment solutions.
High-income professionals at Prosperity Bank benefit from a range of services including asset management, business loans, mortgage services, financial planning, and wealth management. The bank's expertise extends to estate planning, investment services, and private banking, ensuring comprehensive financial solutions. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
$100M Closed Loans
Red River Bank, founded in 1998, is a community-oriented financial institution based in Louisiana, offering comprehensive banking services to individuals and businesses.
High-income professionals can benefit from Red River Bank's array of services, including comprehensive wealth management, personalized private banking, and estate planning. They also offer specialized loan services, tailored investment strategies, and dedicated financial advisors to guide clients in maximizing their wealth and financial security. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
$100M Closed Loans
S&T Bank, established in 1902 in Pennsylvania, is a full-service financial institution offering a wide array of banking products like mortgages, savings, loans, and investment services.
High-income professionals can utilize S&T Bank's wealth management and financial planning services. These include personalized investment strategies, comprehensive retirement plans, insurance solutions, and trust and estate services. S&T Bank also offers private banking with exclusive benefits, such as premium interest rates and priority processing. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | up to $10 million |
$100M Closed Loans
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Shoreham Bank, founded in 1860, is a reputable financial institution offering a comprehensive range of banking services including loans, savings, and online banking.
High-income professionals can take advantage of various services from Shoreham Bank. These include specialized checking and savings accounts, tailored investment advice, estate planning, and personalized loan options. The bank also offers a private banking service, providing dedicated financial advisors for comprehensive wealth management. [ Read Review → ]
| 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 |
• Online
usually responds within 30 minutes
$100M Closed Loans
Simmons Bank, founded in 1903 in Arkansas, is a full-service financial institution offering a range of banking products and services in multiple states across the US.
High-income professionals can benefit from Simmons Bank's range of services, including wealth management, private banking, investment services, and financial planning. The bank offers personalized solutions tailored to meet their unique financial needs and goals. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $417,000 |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1.25 million |
| 5% | up to $1.5 million |
| 10% | up to $2.25 million |
$100M Closed Loans
Synovus Bank, established in 1888, is a financial services company based in Columbus, Georgia, offering commercial and retail banking, investment, and mortgage services across the Southeastern United States.
High-income professionals at Synovus Bank can access a suite of services including wealth management, private banking, and estate planning. The bank offers tailored financial strategies, asset management, and lending solutions. Insurance services and philanthropic planning are also available. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 20% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
UMB Mortgage Solutions, founded in 1913, offers comprehensive mortgage services including origination, processing, underwriting, and servicing, with a robust online platform.
High-income professionals can utilize UMB Mortgage Solutions for tailored mortgage plans. They offer specialized mortgage products, including jumbo loans. Their service provides personalized support, dedicated advisors, in-depth consultations, and a fast, streamlined application process. Their focus is on providing optimal solutions for high-value real estate purchases. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $1 million |
| 5% | up to $1.5 million |
| 10% | up to $5 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Union Bank and Trust Company, founded in 1917, is a full-service financial institution located in Nebraska, offering a broad range of banking, investment, and insurance services.
High-income professionals can leverage Union Bank And Trust Company's comprehensive wealth management services. These include investment management, financial planning, private banking, and trust services. UBT facilitates seamless banking transactions, ensuring asset growth and security. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $500,000 |
| 5% | up to $1 million |
| 10% | Varies |
• Online
usually responds within 30 minutes
$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 → ]
| Down payment | Financing |
|---|---|
| 0% | up to $766,550 |
| 5% | up to $1 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
University Federal Credit Union, founded in 1936, is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to its members.
High-income professionals can leverage University Federal Credit Union's services for a variety of financial needs. These include premium checking accounts, high-yield savings options, personal and home loans, wealth management, and financial planning. Credit cards with competitive rewards are also on offer. The institution provides online banking for easy access [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 5% | up to $1.5 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Washington Trust Mortgage Company specializes in originating residential real estate mortgage loans, including construction, purchase, and refinancing, through their offices in Massachusetts, Connecticut, and Rhode Island.
High-income professionals can benefit from a range of specialized services offered by Washington Trust Mortgage Company. These services include comprehensive wealth management and financial planning. For those seeking home financing, Washington Trust Mortgage provides mortgage services designed to meet the unique needs of high-income clients, including options for construction, purchase, and refinancing of luxury properties. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $750,000 |
| 5% | up to $1.25 million |
| 10% | up to $2 million |
• Online
usually responds within 30 minutes
$100M Closed Loans
Wesbanco Bank, founded in 1870, is a diversified and balanced financial services company, providing a wide range of personal and business banking solutions across the US.
High-income professionals can leverage Wesbanco Bank's services such as tailored wealth management, comprehensive financial planning, private banking, and trust services. The bank also offers specialized lending options, investment management, and estate planning services. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 5% | Varies |
• Online
usually responds within 30 minutes
$100M Closed Loans
Wintrust Mortgage, established in 1981, is a part of Wintrust Financial Corporation, providing a broad range of customizable mortgage and refinancing solutions across the US.
High-income professionals can take advantage of a wide range of services from Wintrust Mortgage. These include personalized mortgage solutions, refinancing options, and jumbo loans. Wintrust also provides a selection of online tools to assist in managing mortgage payments and planning future finances. [ Read Review → ]
| Down payment | Financing |
|---|---|
| 0% | up to $850,000 |
| 3% | up to $1.25 million |
| 5% | up to $1.5 million |
| 10% | up to $2 million |
| 20% | up to $3 million |
Buying a home can be a landmark moment. SoFi is a financial institution based in California that specializes in student loan refinance options, PLUS loans and flexible repayment terms. They don’t currently offer physician’s mortgages but does offer some good deals on home mortgages and student loan debt consolidation and says they may offer a doctor’s mortgage in the future. For these reasons, they’re included here.
Over 60% of Americans own their own home, with home ownership rates increasing steadily since the 1940s. SoFi offers perks of up to $9,500, low down payment options, and has a simple online application process.
Here’s some more information about SoFi mortgages and their benefits and drawbacks.
SoFi has several mortgage options to choose from that can allow you to jump into home ownership sooner than some major banks. Here’s an analysis of what they offer and how you could benefit.
Establishing a mortgage with SoFi presents numerous possible benefits.
Access to low down payments for first time home buyers. With a mortgage from SoFi, first-time buyers who qualify can provide a low down payment of just 3%, and all other borrowers can supply a down payment of just 5%. Many major banks require a down payment of 5-20%, and so, depending on your personal finances, you could potentially succeed in applying for a mortgage with a smaller amount of savings set aside if you go with SoFi.
A simple online application process. SoFi aims to make applying for a mortgage easy and doesn’t force you to search for a loan agent on your own or contact someone by phone to get the ball rolling. Almost all the information you need to make your decision is on their website including precise and current rates for fixed 30, 30, 15, and 10-year mortgages. You can calculate your estimated loan amount and any origination fees using their convenient online calculator for either the purchase or refi of a home.
You can start your application online by providing some basic personal information to discover personalized rates. Doing so won’t affect your credit score and it can provide you with the information you need to make your decision.
Various mortgage options. SoFi offers various mortgage year terms with no prepayment penalties including:
A fixed rate mortgage has the benefit of offering you access to a consistent interest rate that stays the same over the course of your mortgage loan term. This means the percentage rate won’t fluctuate up and down with markets like it does with variable-rate loans. While this means you could potentially pay more over the years, you could also pay some of the lowest rates, if markets swing quite high.
A fixed-rate mortgage allows you to budget more easily and make long-term projections with your personal finances because you always know how much your monthly bills will be when it comes to your mortgage, which can provide you with stability and security.
Chances to obtain cash back. SoFi also offers you the chance to earn between $350 and $9500 cash back when you buy or sell a home with HomeStory Rewards. These rewards vary depending on the price of your home but can help you earn and save.
Wide availability. Because SoFi is a digital, online personal finance company, its products are available across the country. The company is registered to do business in all 50 states. Sofi members are eligible for rate discounts such as autopay discounts if set up automatic payments via ACH from your bank account.
SoFi mortgages do come with a few drawbacks, as with any mortgage loans.
Potential higher monthly payments. If you get a conforming home loan with a loan-to-value (LTV) ratio of greater than 80%, SoFi will require you to obtain private mortgage insurance (PMI). This can add anywhere from 0.5% to 2% of your loan balance to your annual payments, adding up to a few thousand extra dollars each year in loan payments. This insurance protects lenders in case a client defaults on their loan.
Only fixed rate mortgages. Fixed-rate mortgages come with some benefits, as outlined above, but they also present some disadvantages. SoFi only offers fixed-rate mortgages and so, if the markets swing low and interest rates fall lower than the rate you signed for on your mortgage, you could potentially be paying more per month in interest than you would if you had obtained a variable-rate mortgage. In this way, a fixed-rate mortgage can cost you more money, in the long run.
The lower interest rates are only for first-time buyers. Sofi’s offer of a mortgage with just 3% down is only available to first-time buyers. In addition, this institution doesn’t have any mortgages for 0%, which is something physician’s mortgage programs at other institutions often offer.
You can start your loan application directly on the company’s website. Certain state restrictions and conditions apply. Only available to U.S. citizens, permanent residents or visa holders.
The website will walk you through the eligibility process and you’ll see your options in just minutes. You’ll be asked to provide some personal information such as your:
To qualify for a mortgage, you often also need to present the following to underwriting:
You can also reach a SoFi mortgage loan officer by calling: 833-943-7634.
SoFi Lending Corp is a private lender and is a smaller financial institution compared to the major banks in the US. Because of this, you may find you can be approved for a mortgage here if you’re having difficulty getting approved elsewhere. With just 3% needed for a down payment for first-time buyers, this can be an attractive way to go. If you already own a home and you’re looking to refinance it in order to renovate or pay off some loans, SoFi also offers refinancing and school loan repayment options so they could be worth contacting.
If you’re looking to explore the best physician loans in a specific state, click on your state below.
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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