Physician Home Loan Program

Exclusive Financing Solutions for Medical Professionals

Designed with Your Career in Mind

Your career demands focus, dedication, and long hours. Your mortgage shouldn't. Civista's Private Banking Physician Loan is designed exclusively for medical professionals who need flexible financing that aligns with the realities of a medical career — from residency to retirement.

A Smarter Way to Finance Your Home

Physicians often navigate unique financial circumstances: high student loan balances, delayed peak earnings, relocations, and demanding schedules. Our Physician Home Loan acknowledges these realities and removes the barriers that typically stand between you and homeownership.

What You Can Expect with Civista’s Physician Home Loan

Our Private Banking team provides specialized support tailored to your profession:

Flexible down payment options, including financing up to 100% for purchases
No mortgage insurance (MI) required
Debt-to-income ratios up to 50%, with physician student loans excluded
Loan amounts up to $2,000,000 for practicing physicians
Up to $766,550 for residents and fellows
Adjustable- and fixed-rate options
Available for primary or secondary residences*
Escrow waiver available with 80% LTV or less*
Gift funds permitted, with certain limitations
No prepayment penalty

*Additional restrictions may apply. Product and pricing are subject to change.

Our goal is simple: make financing your home seamless, supportive, and predictable—so you can stay focused on patient care.

Designed for Every Stage of Your Medical Journey

Whether you're buying your first home, relocating to a new community, or refinancing your current property, Civista's Private Banking team delivers white-glove service and mortgage solutions that move with your life and career.

At Civista, mortgages are personal. We live and work in the same communities as you, and we're invest in helping your succeed. No matter where you are in your homeownership journey, you'll find a lender who listens, cares, and works to find the best solution for your future.

Apply Now