Doctor Mortgage

Our Doctor Mortgage specialists are dedicated to helping medical professionals get the best financing possible.

Whether you are fresh out of med school or looking to relocate your practice, Lake Michigan Credit Union’s Doctor Mortgage program* delivers real value to medical, dental and orthodontic professionals.


  • Specific for medical, dental and orthodontic professionals
  • Up to 100% special financing of the household value
  • No mortgage insurance requirements
  • Down payment requirements 0% to 10%
  • Loans available as large as $2 Million
  • Deferred student loan debt is not included in calculations
  • No minimum requirement of cash on hand after closing

Great low mortgage rates

Compared to traditional banks, you’ll pay less on your loan rate, less on your closing costs, and less in expenses over the life of the loan.

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*For well qualified borrowers. To be eligible for the Doctor/Dentist program, the Doctor/Dentist must be in a residency program, have completed a residency program, or be an established Doctor/Dentist. Doctor/Dentists must also establish an automated payroll deposit with LMCU to be eligible. Michigan Loan to value (LTV) ratios up to 100% with loan amounts up to $1,000,000; 95% LTV up to $1,250,000; 90% LTV up to $1,500,000; and 80% LTV for loan amounts up to $2,000,000. Florida Loan to value (LTV) ratios up to 90% LTV up to $1,250,000; 85% LTV up to $1,500,000; and 80% LTV for loan amounts up to $2,000,000.

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