Zero Down Medical, Dental, Home Loans

Medical, Dental, & Veterinary Home Loans

97% Financing With No MI

No down payment options

Saving money for a down payment is one of the biggest obstacles in buying a home, especially for medical and dental professionals with outstanding student loans. GTE is helping to eliminate that barrier by offering zero down home loans specifically built with these members in mind.

Qualified buyers can take advantage of low or no down payment options. Even better - student debt is excluded for any eligible professional with 12 months deferment or forbearance and employment may begin up to 90 days after closing.

Plus, you may be able to enjoy no mortgage insurance!

This program is open to most medical professionals including Licensed Practical Nurses, Pharmacists, Veterinarians, Chiropractors, Residents, and more.

Do you work in the medical field? Check out our Medical Home Loan Product.

Available to the following professions:

  • Medical Resident
  • Medical Fellow
  • Medical Doctor (MD)
  • Doctor of Dental Surgery (DOS)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Optometry (OD)
  • Doctor of Ophthalmology (MD)
  • Doctor of Podiatric Medicine (DPM
  • Doctor of Osteopathy (DO
  • Pharmacist (RPH)
  • Chiropractor (DC)
  • Doctor of Veterinary Medicine
  • Licensed Psychologist (PhD/PsyD)
  • Licensed Audiologist (PHD)
  • Licensed Physical Therapist (DPT/Master/Bachelors)
  • Licensed Occupational Therapist (Master's Degree or higher)
  • Licensed Speech-Language Pathologist (SLP)
  • Licensed Dental Hygienist
  • Doctor of Nursing Practice (DNP)
  • Physician's Assistant (PA)
  • APRN
    • Clinical Nurse Midwife
    • Clinical Nursing Specialist
    • Certified Registered Nurse Anesthetists
    • Nurse Practitioner
  • Registered Nurse (RN)
  • Licensed Practical Nurse (LPN)
  • Anesthesiologies Assistant (AA/CAA)
    • AKA Certified Anesthesiologist Assistant

Ready to get started?

Our Realty Reach program can help you find your new home with highly vetted, top-tier real estate professionals.

Speak to one of our dedicated loan executives by calling 1.888.871.2690 ext. 40407 or apply online using the button below.

Features & Benefits

  • Loan options without mortgage insurance 
  • Available for purchases and refinances
  • Low or no downpayment options may be available
  • Maximum loan amount of $1,750,000
  • Student debt exclusion for qualified deferrals
  • Flexible employment start date post-closing

Medical, Dental, and Veterinary Home Loan programs are offered through specialized underwriting guidelines and are not standalone loan products. Borrowers must qualify for an eligible mortgage loan, including fixed-rate or adjustable-rate options. Down payment options may be available for qualified borrowers. Loan terms, including interest rate, annual percentage rate (APR), repayment period, payment amount, and other financing terms, will vary based on the selected loan product and borrower qualifications, including creditworthiness and ability to repay. Rates and terms are subject to change without notice. Property insurance is required. Membership eligibility is required. All loans are subject to approval.