Physician Home Loan Program | Hickory Point Bank & Trust

Physician Home Loan Program

If you are a new or established doctor or dentist and you’re considering home ownership, our Physician Home Loan Program might be the right fit for you.

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Physician Home Loan Program

Our Physician Home Loan Program takes your unique needs into account and is specifically designed for residents and doctors (including: MD, DO, DDS, DMD, and DVM). Why? Because we value the contributions you make to all of our lives.  Trust Hickory Point Bank’s Physician Home Loan Program to take care of your home loan.

What is the HPB Physcian Loan Program?

Understanding the unique needs of physicians, we are here to assist you in buying a home. Our program provides new and established physicians with opportunities to bring you closer to home ownership.

Who qualifies for the Physician Home Loan Program?

The program is available to both new and established physicians, including those in residency and tailored towards applicants with a MD, DO, DDS, DMD or DVM. It’s available for qualifying applicants who are purchasing a home within our servicing area. Loan approval is subject to credit approval and verification of information provided by applicant. Contact a mortgage Lender for further details.

What are the benefits of the program?

Our Physician Home Loan Program offers a variety of exclusive benefits for applicants including, but not limited to:

• Closing cost assistance for resident physicians
• Competitive interest rate
• No Private Mortgage Insurance
• Decreased down payment, including 0% down for loans up to $500,000
• Checking account with direct deposit (not required)
• Convenient automatic payments
• Bill pay
• Mobile banking
• Paperless statements

Have Questions?

We are here to help you and walk you through the process to ensure buying a home is as easy as possible. Contact us with any questions you may have.

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Physician Home Loan Interest Rate

We offer competitive interest rates. Please contact a Mortgage Lender today for more information.

Contact a Mortgage Lender

Physician Mortgage Loan Down Payment Benefits

The Physician Mortgage Loan Program substantially decreases the down payment amount for the borrower to as low as 0% down. Below is a table that outlines the down payment amount needed, which is based upon the amount of the mortgage loan. Physicians in residency, with loan amounts of up to $225,000, may finance closing costs up to a loan-to-value maximum of 105%. Gift funds are allowed.

Down PaymentMortgage Loan Amount   
0% downUp to $500,000
5% down$750,000
10% down$1,000,000
20% down>$1,000,000

What's Next?

Apply for a Home Loan Today

  • Apply for a home loan today from the comfort of your home. Just visit the link below and mention the Physician Home Loan Program in the comments section on the first page of the application.

Apply Now

All loans subject to credit approval additional restrictions and closing costs may apply.