On February 9th, a new loan program called Titan MD launched — designed specifically for medical professionals who don’t fit neatly into traditional underwriting boxes, yet have strong long-term earning potential.
Why Traditional Lending Can Be Tough for Doctors
Medical professionals often face unique financial profiles: high student loan balances, recently completed residency, income that is about to increase significantly, and limited time to build traditional stability. Conventional underwriting doesn’t always account for future earning power. Titan MD does.
Titan MD Program Highlights
- 💰 Up to $2,000,000 Loan Amount
- 🏠 100% Financing Available — No down payment required in many scenarios
- 🚫 No Mortgage Insurance — Even at 100% financing
- 📈 Minimum 680 FICO — Only one credit score required
- 🎓 Student Loans Can Be Omitted from DTI calculations (case-by-case)
- 📊 Projected Income Allowed — Future contract income can be used
Eligible Medical Professionals
MD, DO, DDS/DMD, PharmD, DPM, VMD/DVM, and CRNA. Primary residence only, available for purchase and rate/term refinance.
Why This Matters in California
In higher-priced California markets, removing mortgage insurance and allowing 100% financing can dramatically improve monthly cash flow. For a physician finishing residency or relocating to California, the ability to exclude student loan payments, use projected income, and avoid PMI can mean qualifying for the home you actually want — not settling for less.
If you’re a medical professional and want to see how this would structure in real life, I’m happy to run the numbers. Apply Now