Biomedical Professional Mortgages
Special programs for Doctors and Dentists, NIH Fellows
Unique mortgage options for the biomedical community
Doctors & Dentist Mortgage
Designed for licensed and board-certified practitioners and newly licensed medical residents:
Features & Benefits
- 100% financing / no down payment
- Loans up to $806,500.
- A low fixed rate for the first 7 years under our 7/1 ARM 1
- No monthly mortgage insurance required.
- Earn cash rewards when you use a HomeAdvantage agent to buy 2
- $500 closing credit with a CompleteCare Checking account
To view more on our home loan programs, visit our mortgage page.
Speak to a specialist at 1-855-203-4747
NIH Visiting Fellows Mortgage
It can be difficult for NIH Fellows to buy a home while here on a Visa. Our program can help meet your unique needs with benefits typically unavailable elsewhere.
Features & Benefits
- Loan programs available for NIH Visiting Fellows with a valid US Visa.
- Stipend income treated like salaried/W2 income.
- Low downpayment options for those without a credit score.
- Earn cash rewards when you use a HomeAdvantage agent to buy. 2
- $500 closing credit with a CompleteCare Checking account.
Fellows with qualifying U.S. credit can explore other mortgages, including first-time homebuyer options with competitive rates & terms.
Speak to a specialist at 1-855-203-4747
Request Your No Obligation Pre-Qualification
Meet Our Home Loan Specialists
Our seasoned and consultative specialists are ready with a home-buying experience second to none.
Call us today at 1-855-203-4747 or schedule an appointment.
Cheryl Jackson
NMLS #809976
Steve Walker
NMLS #689408
Christian Ward
NMLS #658929
Joseph Yuen
NMLS #200223
Find a Mortgage You’ll Love
Disclosures
Rates, fees and terms as of 01/20/2026 and subject to change without notice.
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1)
APR = Annual Percentage Rate. Subject to change without notice and for new mortgage purchase applications only. For new adjustable-rate mortgage purchase applications only. Other restrictions may apply. Visit here for more details. Example: A 7/1 ARM of 500,000 loan amount and sales price of $500,000, 0.00% down payment, interest rate of 6.625% rate and 6.838% APR with 0.250%points, and 0.500% origination fee, will have a monthly principal and interest payment of $3,201.55 for the first 7 years. The interest rate is fixed for the first 7 years and will adjust every year thereafter. The rate cannot increase more than 5% above the initial rate for the life of the loan (adjustment based on the 1 Year CMT Index. Constant maturity treasury index (CMT index) is an estimate of the yield rate of treasury securities based on the closing bid for over-the-counter traded securities. This rate serves as a method of indexing adjustable rate mortgages). The rate cannot increase by more than 5% in year 8, and by more than 2% at each rate change date after.
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2)
Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Cash Rewards are available in most states; however, are void where prohibited by law. The HomeAdvantage program offered by third party not affiliated with NIHFCU. See full HomeAdvantage terms here.