Zero Down Medical, Dental, Home Loans

Zero Down Medical, Dental, & Veterinary Home Loans

100% Financing With No MI

No Down Payment, No Mortgage Insurance

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 members can take advantage of up to 100% financing* loan to value with great term 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, 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 occupations:

  • 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?

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

  • No mortgage insurance required
  • Exclusively for home purchases
  • Up to 100% loan value
  • Maximum loan amount of $850,000
  • Student debt exclusion for qualified deferrals
  • Felxible employment start date post-closing

Interest rates are based on creditworthiness, amount financed and ability to repay. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Offer valid on Primary Residence loans only. All loans subject to approval. Property Insurance Required. Payments do not include applicable property taxes, property insurance and mortgage insurance. There are no balloon payments required. Membership eligibility is required. GTE Financial reserves the right to change, modify or terminate this offer at any time and without prior notice.

*No down payment is due at closing. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.