Medicine Can Get Messy, Applying For A Home Loan Shouldn't Be.

You worked hard to get where you are; studying all night, residencies, and passing your medical exam are amazing accomplishments.  But if you had to finance your education through loans, then you know that your debt-to-income ratio right out of medical school will be a challenge for traditional lenders.  

But Apex Home Loans isn't like most mortgage banks and we're here to help.  Our Doctor's First program was designed to fit your specific financial needs like a (nitrile) glove.  We can work with you to get the home you want even if you haven't started your residency yet!  Plus, you'll be able to avoid the added cost of Private Mortgage Insurance (PMI) with half the down payment of traditional loan programs.

Best of all, you'll work with a lender dedicated to providing you the same level of service as the bedside manner you provide your patients.  Apex Home Loans' thousands of positive reviews, and top-tier net promotor score ensure you'll love working with us.  Learn more about our passion for customer service here.

Fill out the form below and we will personally contact you within one business day to explore your home financing goals, verify eligibility, and begin the mortgage process!


  • Down payments as low as 5% down!
  • Avoid private mortgage insurance (PMI) with as little as 10% down instead of 20% with traditional financing.
  • Are you newly licensed and waiting to start your residency or employment?  No problem!  With Doctor's First as long as you can prove you will be working within 60 days of your loan closing.
  • Your medical student loans may even be able to be excluded from your debt-to-income ratio!
  • Benefit from a dedicated mortgage expert to act as your in-process guide and go-to adviser throughout the entire life of your loan.

Eligible medical doctors include actively practicing medical doctors (including DOs), dentists, dental surgeons, veterinarians, and the same who have chosen a researcher position in their field of study AND are within 10 years of completing their original residency or fellowship (if no residency or fellowship, then graduation date), OR Newly licensed medical residents who are currently employed, in residency or fellowship, OR Newly licensed medical students who are about to begin their new employment/residency within 60 days of closing effective 10/9/20.

Medical professionals who are not actively practicing (ex. Retired, or employed as a professor) are not eligible.

Effective as of January 1, 2021 at participating branches. 

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