First Citizens Bank & Trust

Program is available in the following states : CA, FL, GA, MD, NC, SC, TN, VA, WI
Disclaimer: Program features are subject to change. Please check with your loan specialist for the most up to date product information.


  • 680 credit score, student loan payments can be omitted, primary residence 100% up to 1 million
  • 95% up to 1.250 million, 89.99% up to 1.5 million
  • higher loan amounts offered at lower LTV up to 3 million
  • second homes at 89.99% up to $1,250,000 with higher loan amounts up to 2 million offered
  • NO PMI
  • no restriction on time in career
  • can use contract for employment with closing within 60 days, 90 days for MD & DOs
  • Eligible participants must be active, not retired and include, (but are not limited to), those with medical doctorate degrees, dentists, senior hospital administrators (senior hospital executive, equivalent to CEO), medical interns, residents, fellows, and licensed physicians in the following designations: Medical Doctors (MD), Dr. of Dental Surgery (DDS), Dr. of Optometry (OD), Dr. of Podiatric Medicine (DP), Dr. of Psychiatric Medicine (DPM), Dr. of Osteopathy (DO), Dr. of Dental Medicine (DMD), Dr. of Ophthalmology (MD), Dr. of Surgery (FACS), Nurse Practitioner (NP), Nurse Anesthetist (CRNA), and Physician Assistants (PA).

All of the loan officers listed here specialize in working with doctors. They are battle tested, seasoned, and recommended by your peers.

I’ve made it real easy. Drop your name and phone number in the form below and I’ll let her know that you would like more information.
By contacting you certify that you are a medical professional or the spouse of one. Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions.