Maryland Medical Professionals: Buy Up to $1.5M with Zero Down — No PMI
An exclusive financing program that recognizes your career investment — available through our preferred lending partner, Atlantic Union Bank.
- Up to 100% financing with ZERO mortgage insurance
- $0 down for loans up to $1.5M
- Loans up to $2.5M with 10% down
- 0.125% rate discount with qualifying deposit account
- Student loans deferred 12+ months excluded from qualification
- Qualify with an employment contract — up to 120 days before your start date
- Fixed and adjustable-rate options available
- Available for second homes and vacation homes
You've Spent Years Investing in Your Career. Your Mortgage Should Reflect That.
After a decade or more of education, residency, and sacrifice, most medical professionals face a frustrating reality: traditional lenders penalize you for the very student debt you took on to build your career. Your income says you can afford the home you want. But conventional underwriting says otherwise.
The Medical Professional Home Loan Program through Atlantic Union Bank was designed specifically to solve this problem — recognizing your earning trajectory, not just your current debt-to-income snapshot.
Three Reasons This Program Changes Everything
Built specifically for medical professionals — the way your mortgage should have worked all along.
Zero Down, Zero PMI
- Up to 100% financing on loans to $1.5M
- No private mortgage insurance — ever
- 5% down from $1.5M to $2M
- Available on second homes
Student Debt? Not a Problem.
- Deferred student loans (12+ months) excluded from DTI
- Qualify based on your real earning power
- No limit on time since residency
Start Before You Start
- Qualify with an employment contract up to 120 days before your start date
- Perfect for new attendings relocating to Maryland
- Fixed and adjustable-rate options
The Paragon VIP Buyer Program
The financing is one piece. The other piece is having a team that protects your time, your money, and your decision. Every Paragon buyer is enrolled in the VIP Buyer Program — a concierge experience built around what actually matters when you're buying a home.
$5,000 Buyer Savings Guarantee
We guarantee to save you a minimum of $5,000 on your home purchase through expert negotiation and market intelligence — or we'll write you a check for the difference.
Happiness Guarantee
If you don't love your home in the first 18 months, we'll sell it for free. You make the move with confidence — we stand behind it long after closing.
Off-Market Home Access
The best homes on the Eastern Shore sell before they ever hit Zillow or Realtor.com. As a Paragon VIP, you see waterfront and luxury inventory weeks before the public ever does.
Concierge Representation
Private showings on your schedule, expert negotiation, vetted inspectors and contractors, and a single point of contact from offer to keys. White-glove service — not a chatbot and a Sunday open house.
The best homes sell before they go online. The VIP Buyer Program is how Paragon clients see them first — and buy them with the financing you've earned.
Is This Program Right for You?
The Medical Professional Home Loan Program is available to a broad range of qualifying medical professionals across Maryland:
- Medical Doctors (MD & DO)
- Dentists (DDS & DMD)
- Chiropractors (DC)
- Optometrists & Ophthalmologists
- Osteopaths
- Pharmacists (PharmD)
- Podiatrists (DPM)
- Veterinarians (DVM)
- Nurse Practitioners (NP)
- Physician Assistants (PA)
- NPs, PAs, CRNAs
- Residents, Interns & Fellows (up to $750K)
- and other licensed Medical Professionals
Minimum 720 credit score required. Owner-occupied primary residences and second homes only. Two Medical Professional loans per borrower.
Watch: How Maryland Medical Professionals Are Buying Homes with Zero Down
Have questions? Schedule a private consultation with David and our preferred lending partner.
Schedule Your Private ConsultationTwo Professionals. One Mission.
Real estate expertise and lending specialization, working together to make sure nothing slips through the cracks from pre-approval to close.
David J. Moore leads The Paragon Home Team and has spent over 20 years guiding Maryland families through their most important real estate decisions. Specializing in the Chesapeake Bay region, Kent Island, and Annapolis-area markets, the Paragon team provides concierge-level service with a focus on innovative solutions that put clients in control.
Anthony Sos is a Mortgage Loan Officer with Atlantic Union Bank, specializing in tailored financing solutions for medical professionals. With deep expertise in the Medical Professional Home Loan Program, Anthony ensures every client receives personalized guidance from pre-approval through closing.
What Medical Professionals Ask First
What's the maximum loan amount with zero down?
Do my student loans disqualify me?
I haven't started my attending position yet. Can I still qualify?
Is this only for MDs?
What areas do you serve?
What's the rate discount?
Ready to Buy Your Maryland Home with the Financing You've Earned?
Download the free playbook, or schedule a private consultation with David and Anthony today.