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Physician Mortgage Loans in Ohio


How to Obtain a Physician Mortgage in Ohio


To secure the best physician mortgage in Ohio, there is a crucial step that can simplify the entire process. It is important to compare lenders based on their rates, terms, and down payment options. To make this task easier, it is best to partner with a mortgage broker who specializes in physician mortgage programs.

While any broker can assist you in finding financing through traditional loans, not all possess the necessary expertise in physician mortgage loan programs. Given that doctor loans have unique requirements and terms, it is vital to find a broker with specific knowledge in this area.

To start comparing rates and terms from lenders in Ohio, you can collaborate with LeverageRx. Our team has assisted over 50,000 physicians and healthcare providers in finding suitable banks and mortgage lenders to meet their home buying needs.

Once you are connected with a lender, you will need to complete and submit a loan application. Additionally, be prepared to provide supporting documentation such as proof of employment, educational background, certifications, or licensing as a healthcare professional.


Where to Find a Physician Loan in Ohio


When searching for a physician mortgage in Ohio, it is crucial to focus on lenders and banks that offer programs within the state. This ensures that you work with lenders who have a comprehensive understanding of the local market and comply with state-specific regulations. Loan programs can vary from one state to another, so it is essential to identify the options available in Ohio.

Here are nine reputable physician mortgage loan lenders catering to physicians in the state of Ohio.



BMO offers a physician loan program that addresses the unique financing challenges faced by medical professionals in Ohio. This program eliminates the barriers to homeownership that doctors often encounter, such as significant student loan debt and limited savings for the conventional 20% down payment requirement.

Here are the highlights of what BMO physician loans have to offer in Ohio:

  • Designations: MD, DDS, DMD, DO
  • Up to 95% financing for loans up to $1.5 million
  • Up to 90% financing for loans up to $2 million
  • Available for primary residences only
  • Mortgages available for purchase or refinance
  • Construction financing options available

BMO physician loans are available to qualified licensed medical doctors, residents, and fellows in all states except New York. Read our full BMO Physician Loan Review to learn more about this program.



Evolve Bank & Trust offers a unique solution for physicians in Ohio who face challenges when trying to qualify for a conventional loan due to high student loan debt. Their physician loans provide an opportunity for immediate homeownership without a down payment.

Here are the key features of Evolve physician loans in Ohio:

  • Available to MD, DO, DDS, DMD, PA, NP, DVM, CRNA, DC, OD, DPM, residents, fellows, pharmacists, and clinical nurse specialists
  • 100% financing available for up to $1,000,000
  • 95% financing available for up to $1,250,000
  • 90% financing available for up to $1,500,000
  • 85% financing available for loans exceeding $2,000,000
  • Can be used for primary residences, co-ops, condos, land purchases, and construction financing.

These specialized loans are designed to help you achieve homeownership without the traditional waiting period. However, physicians who have been practicing for over a decade are not eligible for the doctor loan program. To explore your options and find the right mortgage solution, you can get matched with an Evolve lender in Ohio with LeverageRx.


Fifth Third

Fifth Third Bank recognizes the specific financial needs of residents, new physicians, and established doctors in Ohio and offers a physician mortgage loan program to cater to them. Here are the key features of Fifth Third’s physician mortgage loans in Ohio:

  • Eligible designations include MD, DDS, DMD, DO, and DPM
  • 100% financing available for loans up to $750,000
  • 95% financing available for loans up to $1 million
  • No private mortgage insurance (PMI) requirement
  • Flexibility to choose between fixed or adjustable-rate loans
  • Available for both home purchase and refinance
  • Construction financing available

Fifth Third Bank’s physician mortgage loans are tailored to address the unique financing needs of residents, fellows, and established doctors in Ohio. For a comprehensive assessment of this program, we recommend reading our detailed review of Fifth Third Physician Mortgages.


First Horizon

First Horizon knows the unique needs of medical professionals in Ohio and offers specialized physician mortgage loans to meet their needs. Here are the key features of their program:

  • 100% financing available for loans up to $1.5 million
  • 95% financing available for loans up to $2 million
  • 90% financing available for loans up to $2.5 million
  • Flexibility to close on the loan up to 6 months prior to the employment start date
  • Accessible to MD, DO, DDS, DMD, CRNA, CPA, and DPM
  • No requirement for private mortgage insurance (PMI)

To explore your options and connect with a physician mortgage lender from First Horizon, you can request your mortgage rates through LeverageRx.


Heritage Bank NA

Heritage Bank NA is a top choice for physicians and medical professionals in Ohio who are seeking 100% financing for their home purchases. Their Physician Mortgage Loan program offers several advantages, including:

  • No down payment for homes up to $1 million.
  • Lower down payment requirements and higher loan-to-value ratios.
  • Available for MD, DDS, DO, OD, DPM, and DVM.
  • Accessible to both practicing physicians and residents.
  • No private mortgage insurance (PMI) requirement.
  • Applicable to both primary and secondary homes.

To explore your options and connect with a lender from Heritage Bank NA, simply complete a mortgage form through LeverageRx.


Huntington Bank

Huntington Bank provides a physician loan program in Ohio that caters to multiple medical specialties, including MD, DO, DDS, DMD, DPM, and DVM. Their program offers various advantages for physicians who are looking to finance their primary residence:

  • Up to 100% financing available for loans up to $1 million.
  • Loans up to $1.25 million offer 95% financing.
  • Loans up to $2 million allow for 90% financing.
  • Available exclusively for primary residences.
  • Can be used for either purchase and refinance.

For loans exceeding $1.25 million, Huntington Bank requires at least one year of attending status, making it unavailable for residents. However, loans below $1.25 million are accessible for both residents and attending physicians.

To learn more about the Huntington Bank Physician Loan program, you can refer to our comprehensive Huntington Bank Physician Loan Review.


Lake Michigan Credit Union

Lake Michigan Credit Union is committed to providing exceptional value to medical, dental, and orthodontic professionals in Ohio, whether you’re a resident in training or an experienced physician seeking a new location.

Here’s what you can expect from Lake Michigan Credit Union’s doctor mortgage program:

  • Available for MD, DO, DDS, DPM, and CRNA designations.
  • No mortgage insurance requirements.
  • 0% down payment for loans up to $1.25 million.
  • 5% down payment for loans up to $1.5 million.
  • 10% down payment for loans up to $1.75 million.
  • 15% down payment for loans up to $2 million.
  • 30% down payment for loans up to $2.5 million.
  • Deferred student loan debt is not included in calculations.

As a credit union, Lake Michigan Credit Union offers highly competitive rates. By choosing their doctor mortgage program, you could enjoy lower loan rates, reduced closing costs, and overall cost savings throughout the life of your loan. Begin your journey by getting matched with an LMCU lender here.


Truist’s physician loan program in Ohio is exclusively for medical professionals who are MD, DO, DPM, DDS, and DMD. This program is accessible to practicing physicians, residents, and fellows. However, Truist does not consider practicing physicians and dentists with over 10 years of experience eligible for this program.

Here are the notable features of Truist’s physician loan in Ohio:

  • Up to 100% financing for loans up to $1 million.
  • Up to 95% financing for loans up to $1.5 million.
  • Up to 90% financing for loans up to $2 million.
  • Adjustable-rate and fixed-rate options.
  • Applicable for single-family homes or condos.
  • Limited to primary residences only.
  • Available for both purchase and refinance transactions.


Truist provides lenient debt-to-income requirements and does not require private mortgage insurance (PMI). For a comprehensive overview of the Truist physician loan program and its offerings, please refer to our detailed Truist Physician Loan Review.


US Bank

US Bank extends physician mortgage loans to medical professionals in all 50 states, including Ohio. Whether you’re in training or an experienced practitioner, US Bank’s program is open to you. Here are the key highlights of the program:

  • Up to 90% financing for loans up to $1.25 million
  • Up to 85% financing for loans up to $1.5 million
  • Up to 80% financing for loans up to $2 million
  • Available for MD and DO designations only
  • Limited to primary residences only

It’s important to note that US Bank’s physician loan program is available to a narrower range of medical professionals compared to other doctor home loan programs. Additionally, US Bank does not offer 100% financing as an option.

For a more comprehensive review of the US Bank physician loan program, please refer to our detailed US Bank Physician Loan Review.