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First Mortgages

Doctor Mortgage Program

Whether you are fresh out of medical school or looking to relocate your practice, UNCLE Credit Union's Doctor Mortgage Program is designed to provide medical professionals convenient and valuable mortgage options. Our Doctor Mortgage Program allows a higher loan limit and lower down payment than a conventional mortgage.1


  • Low down payment
  • Exclusion of certain student debt when calculating monthly Debt-To-Income (DTI) ratio2
  • Permanent and non-permanent, houses and condos up to 40 acres allowed
  • Title can be held in trust


  • Borrower must be a M.D., D.O., D.D.S. or D.M.D. or in their residency/fellowship
  • Mortgage must be on a primary, single-family residence, manufactured (mobile) homes do not qualify
  • No "Cash-out" refinancing on primary residency is allowed3
  • Fixed-rate mortgage, or a 7/1 ARM (Adjustable Rate Mortgage)
1. Doctor Loans are for qualifying medical doctors (MD and DO), dentist and orthodontists (DDS and DMD).
2. Some student loans that are in a period of deferment and forbearance may not 'count against' doctor and dentists DTI.
3. No cash-out refinancing is for the purpose of lowering the interest rate or changing the term of an existing mortgage. This type of reference does not allow you to take cash our of the equity.
All borrowers are subject to credit approval. Programs subject to change without notice. Underwriting terms and conditions apply. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions and rates are subject to change without notice.

Contact Us

If you can't find what you're looking for on our site, give us a call at 800-34UNCLE or visit our Contact page for all the details.

Routing Number

UNCLE Credit Union's Routing / Transit number is: 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of September 21st, 2020

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