One of several new loan programs, Veritas Funding is excited to announce the addition of the MD loan program. Doctors often start their residencies with a lot of debt but have high earning potential, and this loan is designed to accommodate that.  This loan can help qualified physicians and dentists acquire a residential mortgage loan with minimal down payment. 

Student loan debt from medical professionals that is deferred for a minimum of 12 months can be excluded from debt to income ratio calculations. A borrower must have one of the following designations:

  • Medical Resident
  • Medical Doctor (MD)
  • Doctor of Dental Science (DDS)
  • Doctor of Osteopathy (DO)
  • Doctor of Podiatric Medicine (DPM)
  • Doctor of Optometry (OD)/Doctor of Ophthalmology (MD)
  • Doctor of Dental Medicine (DMD) and dental surgeons specializing in oral and maxillofacial surgery

For more information about qualifying for an MD loan, contact a Veritas Funding loan officer today.



In addition to the required reserves determined by LPA, must document adequate income and/or assets to pay the monthly housing expense and other monthly liabilities between the note date and the employment start date, AND document an additional 6 month reserves. *Minimum credit score of 720 when using the Deferment of Student Loan Debt Feature. Purchase only if using the income commencing after Note Date feature. The Medical Doctor Loan must be submitted through LP and receive a Risk Classification of “Accept.” Escrow accounts are required for all loans with LTV’s greater than 80.00%. A copy of the medical license is required. A valid social security number (SSN) is required for all borrowers. Taxpayer Identification Number (ITIN) borrower(s) are not eligible. Veritas Funding, LLC (NMLS# 252108) Equal Housing Lender. This is not an offer of credit or commitment to lend. Loans are subject to buyer/property qualification. Loan programs are subject to change without notice. Please contact a Veritas Funding loan officer for full program requirements.