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Medical Professionals Mortgage Program

For qualifying medical professionals. Medical Professional Mortgages have high loan limits and these no-money-down mortgage solutions don’t require Private Mortgage Insurance (PMI).

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Woman doctor with young girl patient

We offer the perfect mortgage solution for your needs.

Embarking on a career in the medical field demands years of dedication and often financial sacrifice. At Sun East, we aim to make home buying accessible and affordable for all medical professionals, regardless of career stage.

Through our specialized Medical Professionals Mortgage Program, you can experience increased flexibility and exclusive advantages tailored to accommodate your individual financial situation.

  • Max loan amount up to $766,550
  • 100% LTV with FICO 700 and above
  • 95% LTV with FICO 660 – 699
  • Max DTI 50%
  • First Time Home Buyer eligible
  • Self-Employed eligible
  • 2 Month’s PITI Reserves
  • No PMI required
  • Up to 6% Sellers Assist
  • No pre-pay penalty

This unique opportunity is accessible to:

  • Practicing physicians
  • Dentists
  • Orthodontists
  • Optometrists
  • Ophthalmologists
  • Chiropractors
  • Psychiatrists
  • Residents
  • Pharmacists
  • Veterinarians
  • Physician’s Assistants
  • Registered Nurses
  • Physical Therapists

Medical Professional
30 Year Rate | As Low As…


Medical Professional
30 Year Loan | As Low As….



Medical Professional
7/1 ARM Rate | As Low As….


Medical Professional
7/1 ARM Loan | As Low As….



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  • Only eligible for single family residence or one‐unit condo as primary residence.
  • No investment properties or second homes. No manufactured homes or duplexes.
  • When all buyers are first time homebuyers, at least one occupying homeowner must complete homeowner education through HUD approved agency.
  • Grants not permitted. 100% of gift funds from family are eligible for down payment or reserves.
  • Escrow required for property taxes and homeowners insurance.
  • Must be US citizen or permanent resident alien. Must qualify for membership.
  • Requires full FNMA 1004 appraisal.


+APR as low as APR = Annual Percentage Rate; effective 03/26/24 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.

The rates above reflect the best par rates available today. Not everyone that applies will qualify for the rates shown above. Rates shown above are based on an applicant FICO score of at least 780 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 60%. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend.

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 or call 1-877-5-SUNEAST x765.