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Medical Professional Mortgage Program

Exclusive program for medical professionals.

  • Exclusive program for doctors and medical professionals1 to meet their unique home financing needs
  • Available for the purchase of primary homes only
  • Fixed and Adjustable Rate Mortgage (ARM) options available

  • Low down payment requirement
  • No Private Mortgage Insurance (PMI) required
  • Student loan debt may be excluded from total debt calculation2
  • Future employment can begin up to 60 days after loan closing3

  • Borrow up to $1,000,000
  • Minimum credit score of 700
  • Maximum loan to value (LTV) of 89.99%
  • Northway deposit account required for auto pay4

Other conditions required. Ask for details.
1Defined as MD, DDS, DMD, OD, DPM, DO, residents and students whose employment begins within 60 days of loan closing, and DVM.
2Student loans must be deferred for at least 12 months to be excluded, or be on the Income Based Repayment schedule for lower payment.
3If applicant’s employment does not commence until after closing, sufficient reserves to handle all debt obligations between closing and employment start date + 30 days must be verified.
4Automatic payment from a Northway Bank checking account is required; other rates available if this condition is not met.