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(414) 810-4569 Joshua Bucio, NMLS #286333

Home Loans for Doctors and Dentists and Medical Residents

Doctors | Physicians | Medical Residents | Dentists | Oral Surgeons | Doctor of Medicine | Doctor of Dental Surgery | Doctor of Osteopathic Medicine

The medical field is an important and appreciated line of work. Doctors and dentist have a couple of benefits. These are specific doctors, dentists and medical residents. If you are not entirely sure, ask us and we will make sure you know if you qualify.


A specific mortgage loan program created for doctors, dentist and medical residents. The benefits of this unique program are catered to common problems some medical professionals run into, when trying to qualify for a home loan.

  • Minimum down payment of 3% allowed, with a maximum loan amount of $650,000.
  • Minimum down payment of 5% allowed, with a maximum loan amount of $850,000.
  • Seller credits to cover your closing costs allowed, up to a maximum of 3% of the purchase price.
  • Newly Hired/Future Employment is allowed to close within 60 days of your new employment start date. No need to wait for pay stubs, since we can use the new employment contract or offer letter. They have to be non-contingent by the day of your closing.
  • Student loan debt may not have to be used against you, if you can show evidence of deferment or forbearance for at least 12 months after the closing date.

Medical professionals have a unique benefit, when searching for home loans that are created for their situation. The specific loan program has helped many medical residents and doctors help qualify for a home loan.

Make sure you get yourself pre-qualified for a home loan before you start searching homes. Realtors know sellers are looking for a serious buyer. Since the qualifying process has become more in depth over the years, sellers want to see you have a pre-qualification letter. Learn about the importance of a pre-qualification letter.

We have an online application that is very secure with your information and easy to use. It comes directly to us and your information is never sold. Once we receive all the information, we will work on completing your pre-qualification process in 24-48 hours.

Here is the direct link to the online application: Secure Online Application

If you are not comfortable with an online application, that’s ok! Feel free to call us at the office, 262-696-4051, and we can go over the application and questions on the phone.

Working with Waterstone Mortgage

  • We put YOU first.
  • Waterstone Mortgage offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans. Waterstone Mortgage will find you the loan that is right for you!!!
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