Flagstar Bank

Available in all 50 States


The program is available for practicing physicians with a 700+ FICO score who are purchasing a single family detached home.

-100% loan to $850,000 with no mortgage insurance  (720 FICO)

-Low down payment on loans up to $1.5M (710 FICO)

-Deferred medical student debt may not affect your qualifying loan amount.

-80% loan to $1.75M obviously with no mortgage insurance.

-Purchase and rate/term refinance for primary residence.

-5/1 and 7/1 Adjustable Rate Mortgages (ARMs)

-MD, DDS, DMD, DO, DPM and Veterinarians accepted.

-Non-Occupant Co-Borrowers Allowed

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

Todd Blum (NMLS ID 1466176)

[email protected]

Do you want Todd to contact you?

I’ve made it real easy. Drop your name and phone number in the form below and I’ll let
him know you’re looking for him.

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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.

*Eligible borrowers include: a Medical Resident (with educational license), Doctor of Medicine (MD), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine or Surgeon (DMD), Doctor of Optometry (DO), Doctor of Podiatric Medicine (DPM), Veterinarians.
Only the medically licensed borrower is eligible for exclusion of student loan debt payment from the debt-to-income ratios. Payments must be deferred for 123 months beyond closing date.
With the adjustable-rate mortgage (ARM), your 5/1 loan will have an initial fixed-rate period of 60 months and your 7/1 loan will have an initial fixed-rate period of 84 months. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period of subject to change once every year for the remaining life of the loan. Programs available only to qualified borrowers. Subject to credit approval, underwriting approval, and lender terms and conditions. Programs subject to change without notice. Primary residence only. Restrictions may apply.