Flagstar Bank

Flagstar Bank: All 50 States


*0% down payment option with 720 credit score up to $1,000,000 loan / no PMI

*5% down with a minimum 700 credit score up to $1,500,000 loan / no PMI

*Purchase or rate and term refinance

*10/6, 7/6, or 5/6 ARM

*3 months reserves required – all funds can be gifted except reserves

*Seller can pay up to 3% of sales price towards closing costs and prepaids on 0% down loan

*Must have completed residency within the last 10 years

*Must not have owned a home in the last 3 years, unless selling current home to make this new purchase, or relocating with new job or new purchase due to a divorce

*Non-occupant co-borrowers ARE allowed

* SFR, townhome, warrantable condo, modular home

*Max debt ratio 45%

*Can use IBR payments for qualifying if student loan(s) not deferred for at least 12 months from closing

Eligible occupations include:

  • Doctor of medicine, Doctor of Dental surgery, Doctor of Dental medicine or surgeon, Medical resident (with educational license), Doctor of Optometry, Doctor of Osteopathic medicine, Doctor of Podiatric medicine, Doctor of Veterinary medicine, Doctor of Pharmacy, Physician’s Assistant (PA), Registered Nurse (RN), Nurse Anesthetist, Nurse Practitioner, Clinical Nurse specialist, CPA, ATP Pilot, Attorney

All of the loan officers listed here specialists. They are battle tested, seasoned, and recommended by your peers.

Do you want a someone to contact you?

I’ve made it real easy. Drop your name and phone number in the form below and I’ll let the physician loan specialist at this bank know that you would like more information.

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By contacting you certify that you are a medical professional or the spouse of one.

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Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions. Our blog is for informational purposes only. For specific program details please contact authorized representative from that bank.