Medical Professionals Mortgage Program
Whether you’re just beginning your career or are an established healthcare professional, we can help make homeownership more accessible with up to 100% financing and no PMI.
Exclusive Benefits for Medical Professionals
A career in healthcare requires a significant investment of time and dedication. Our Medical Professional Mortgage Program helps eligible borrowers take advantage of financing benefits designed to make purchasing a home more accessible.
Up to 100% Financing
Purchase a home with little to no down payment required.
No PMI Required
Lower your monthly housing costs.
First-Time Buyers
Eligible for both new and experienced homebuyers.
Up to 6% Assistance
Get help with eligible closing costs.
Who Qualifies for the Medical Processionals Mortgage Program?
From patient care to specialized medical services, this program is designed to support a wide range of professionals across the healthcare industry, including:
- Chiropractors
- Dentists
- Ophthalmologists
- Optometrists
- Orthodontists
- Pharmacists
- Physical Therapists
- Physician’s Assistants
- Practicing Physicians
- Psychiatrists
- Registered Nurses
- Residents
- Veterinarians
Current Mortgage Rates
Medical Professional
30 Year Rate | As Low As…
7.875% Rate
7.953% APR+
Medical Professional
7/1 ARM Rate | As Low As….
7.125% Rate
7.374% APR+
Have Questions?
Contact our Mortgage Specialist Today
Martina Sok
Licensed Mortgage Loan Originator
NMLS#2857401
484-441-6524 | msok@suneast.org
Martina has over 20 years of banking and lending experience and has spent much of her career helping people navigate the mortgage process. As a local mortgage professional, she understands that buying or refinancing a home can come with a lot of questions. Martina enjoys taking the time to educate members, explain their financing options, and help make the mortgage process easier to understand. Whether you’re just starting to explore homeownership or have questions along the way, Martina is here to help you feel informed and confident in your next step.
Frequently Asked Questions About Medical Professionals Mortgage Program
Disclaimer
+APR as low as APR = Annual Percentage Rate; effective 11/02/2026 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges.
100% loan-to-value (LTV) available with a FICO score of 700 or higher. 95% LTV available with a FICO score of 660-699. No PMI required. Up to 6% seller assistance permitted. No prepayment penalties. Escrow is required for property taxes and homeowners insurance. Maximum debt-to-income (DTI) ratio of 50% permitted. Available for all loan programs (excluding government programs) with loan amounts up to $832,750. Requires a minimum of two months’ PITI reserves (principal, interest, taxes, and insurance) remaining after closing. Eligible properties are limited to single-family residences or one-unit condominiums used as primary residences. Investment properties, second homes, manufactured homes, and duplexes are not eligible. Available to first-time homebuyers and self-employed borrowers. When all buyers are first-time homebuyers, at least one occupying homeowner must complete homeowner education through a HUD-approved agency. Grants are not permitted. One hundred percent of family gift funds may be used for the down payment or reserves. Applicants must be U.S. citizens or permanent resident aliens, meet membership eligibility requirements, and provide a full FNMA 1004 appraisal. Subject to credit approval and other underwriting requirements.
Sun East Federal Credit Union partners with First Heritage Realty Alliance in order to extend real estate services to our membership consistent with the attention and quality that we provide for all of our members. While Sun East has an ownership interest in First Heritage Realty Alliance and First Heritage Financial, LLC, Sun East is NOT a real estate company. First Heritage Realty Alliance is the real estate company that we trust for all of our members.
Please note, our partnership with First Heritage Realty Alliance is for the convenience of our members, but is not required. Our members are free to utilize, and we are happy to work with, any real estate company of our members’ choosing.
Sun East Federal Credit Union, NMLS#433893, and First Heritage Financial, LLC, NMLS#506371, are equal opportunity lenders. Rates are subject to change daily based on market conditions and creditworthiness. Offer not valid on existing Sun East loans and is subject to end without notice; other terms and conditions may apply. For more information, visit https://suneastfcu.mymortgageapps.org/suneast or call 1-877-5-SUNEAST x765.
Third party linked websites are not under the control of Sun East Federal Credit Union. We are not responsible for their content. Third party website privacy and security policies may differ from ours. If you choose to engage in a transaction with a third party, please note that we do not represent either you or the third party in that transaction.