Professional Loan

Whether you’re purchasing a home or financing an investment property, this loan is built for high-income licensed professionals.

Key Features

Up to 100% Loan-to-Value (LTV)*

Up to 100% financing to $1.25M; Purchase prices up to $3.5M with as little as 15% down.

Flexible Property Options

Perfect for primary residences, second homes, or investment properties

Interest Rates as Low as 5.75%

5.75% for 30 year fixed with 10% down payment on primary residence (APR 5.99%)

6.25% rate for 30 year fixed with 0% down payment on primary residence (APR 6.49%)

Purchase or Refinance

Finance your dream home or no cash-out refinance.

Better than a Doctor Loan

Down Payment & Purchase Price

Primary Residences

  • 0% down up to $1.25M

  • 5% down up to $1.57M

  • 10% down up to $2.77M

  • 15% down up to $3.50M (Primary Residence)

Second Homes & Investment Properties starting at 10% down

Who can qualify

Qualified Borrowers

  • Household qualifying income of $250,000+

  • Licensed professional or qualifying executive

Eligible Professions

Physicians, Dentists, Attorneys, CPAs, Engineers, Certified Financial Planners, Pilots, Veterinarians, Pharmacists, Physical Therapists, Psychologists, C-Suite Executives

Other approved licensed professionals

Basic Requirements

  • Credit score: 720+

  • U.S. citizens, Permanent or Non-Permanent Residents (with visa, SSN, 1+ year credit)

Income & Job

  • W-2: Pay stub + 2 years of W-2

  • Self-employed: 2 years of taxes

  • New employment is acceptable if starting within 90 days of closing

  • School can count as work history

Self-employed professionals (e.g. doctors in partner buy-ins) may qualify with 2 years of business returns and Chief Credit Officer approval.*

Contact Us

Loans subject to credit approval and program guidelines. Licensed professionals. May qualify for up to 100% financing on primary residences. Terms, rates, and eligibility subject to change without notice.

Member FDIC. Equal Housing Lender. NMLS# 178787

Disclaimer: *Not a commitment to lend | Accordia Mortgage NMLS #178787 | Equal Housing Lender | Assistance and zero-down options subject to qualification and program availability.