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Helping the Helpers
Our Physician Loan Program is designed to assist physicians, dentists, and veterinarians in qualifying for residential mortgages by allowing higher debt-to-income ratios in recognition of your investment in your education. By excluding student loans from the calculation, Civista makes the home-buying process more accessible for early career medical professionals.
We can help you secure financing without requiring private mortgage insurance (PMI), allowing you to take advantage of low down payments without the burden of increased monthly costs.
If you’d like to explore your options, speak with a member of our private banking team today.
Program Highlights
Specialized mortgage features designed to support physicians, dentists, and veterinarians as you balance the demands of an early medical career with the goal of homeownership.
Qualify
Higher debt-to-income ratios are available, and student loans can be excluded from the calculation — recognizing your investment in your education.
Save
No private mortgage insurance (PMI) required, helping you take advantage of competitive financing without the burden of added monthly costs.
Buy
A no-down-payment option may be available on qualifying purchases under $1 million, helping you move into your home without depleting savings.
Bank
Work with a dedicated private banker who understands the financial complexity of medical careers and provides personalized guidance from application through closing.
Private Banking for Physicians
Let’s Build a Plan That Works for You
