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
  • Low down payment requirements: 0% to 5%
  • Loans available as large as $1.5 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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To be eligible for the Doctor/Dentist program, the Doctor/Dentist must be in a residency program, have completed a residency program within 5 years, or be an established Doctor/Dentist who is relocating or has relocated within 5 years. Doctor/Dentist must also establish an automated payroll deposit with LMCU to be eligible. *Loan to value (LTV) ratios up to 100% with loan amounts up to $650,000; 95% LTV up to $1,000,000 and 85% LTV for loan amounts over $1,500,000. 80% LTV for loan amounts up to $2,000,000.

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