Physician Lenders Available in Wisconsin 

Fifth Third Bank

NEW Physician Loan Program- Graduating Med Student/ Resident/ Fellow/ Attending Physician for less than 1 year (Self-employed is allowed if 2+ years)

  • 0% down payment up to $750,000
  • 5% down payment required up to $1MM
  • 700+ credit score required for 0% Down Payment up to $500,000, 720 needed if up to $750,000 (if 680-699, 5% down payment is required)

ESTABLISHED Physician Program- Attending 1+ years/ Self Employed 2+ years AND Dentists

  • 0% down payment up to $750,000
  • 5% down payment required if greater than $750K up to $1MM
  • 15% down payment required if greater than $1MM up to $1.5MM
  • No limit of years after training
  • Refinance Loans available
  • 720 Credit score required
  • DENTISTS are eligible


  • MD, DO, DPM, DDS or designations only
  • Fixed Rate (30, 20, 15 year terms) and Adjustable Rate (10, 7, 5 year terms) available
  • No Private Mortgage Insurance required
  • Allowed Property types:  1-unit, Single Family, PUD, Freddie/Fannie approved condos.  Must occupy as Primary Residence
  • Construction END LOANS are available
  • Non-Permanent Resident Alien with a H1 Work VISA are acceptable (must demonstrate continued employment per guidelines)
  • Program allows physician to have a CURRENT doctor loan
  • There is no time limit on the amount of years after Residency/Fellowship

*Please complete the form to connect with the lender of choice. 


The program is available for practicing physicians with a 700+ FICO score who are purchasing a single family detached home.

  • 100% loan to $850,000 with no mortgage insurance  (720 FICO)
  • Low down payment on loans up to $1.5M (710 FICO)
  • Deferred medical student debt may not affect your qualifying loan amount.
  • 80% loan to $1.75M obviously with no mortgage insurance.
  • Purchase and rate/term refinance for primary residence.
  • 5/1 and 7/1 Adjustable Rate Mortgages (ARMs)
  • MD, DDS, DMD, DO, DPM and Veterinarians accepted.
  • Non-Occupant Co-Borrowers Allowed

National Lender

(The name of this bank has been omitted to comply with their trademark policies)


  • 95% Financing up to $1,000,000 (some restrictions apply)
  • 90% Financing up to $1,500,000 (some restrictions apply)
  • Maximum Loan Amount ** $1,500,000
  • Private Mortgage Insurance Not Required (No PMI)
  • Close on your home up to 60 days prior to new employment start date (with signed contract)
  • Eligible professions include Residents, MD, DDS, DMD,OD, DPM and DO
  • Student loans deferred for at least 12 months after closing not included in debt ratios.
  • Eligible Property Types One-unit Single Family, Warrantable Condos and PUDs
  • Eligible Products: 15 and 30 Year Fixed Rates. 5/1, 7/1 and 10/1 ARM (Fully Amortizing)
  • 720 credit score required

*Please complete the form to connect with the lender of choice. 


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Milwaukee, WI
Port Washington, Town of Port Washington, WI
River Hills, WI
Saukville, Town of Saukville, WI
Sheboygan, WI
Shorewood, WI