Medical Professional Home Loan Program

While you’re helping those in our community, let the #1 mortgage lender help you finance a new home.

As a busy medical professional, resident, or fellow, it can be challenging to spend time researching mortgages for medical professionals that align with your student loan repayment plan and your life goals. 

That’s why First Columbia Bank offers home loans for medical professionals with specialized underwriting that takes your unique situation into consideration. Our local lending experts will work by your side throughout to streamline the process and find you a place to call home that's within your budget and fits your lifestyle. 


Medical Resident or Fellow Program

The terms resident and fellow can be used interchangeably. This unique home loan program is open to physicians enrolled in a graduate training program in medicine. Features and benefits include:

  • 100% financing1
  • NO down payment
  • Available to any Resident or Fellow in the medical profession2
  • Loan may be used for purchase, refinance, or construction of a single-family primary residence
  • Financing is available with a maximum loan of $400,000
  • NO Private Mortgage Insurance required
  • A credit score of 680 or better is required
  • Escrow required (taxes and insurance)
  • Closing allowed within 60 days before start of employment
  • The residence financed must be within a 50-mile radius of our main office at 232 East St., Bloomsburg, PA
  • Deferred student loans are not considered part of current debt obligations
  • Requires proof of being “matched” to a position, and acceptance of that position

Staff Medical Professional

Open to medical professionals, such as physicians, dentists, and veterinarians, who are on the staff of a hospital, medical center, and practice, etc. Features and benefits include:

  • 100% financing1
  • NO down payment
  • Available to any Staff Medical Professional (not available to those who are self-employed)2
  • Loan may be used for the purchase, refinance, or construction of a single-family primary residence
  • Financing is available with a maximum loan of $750.000
  • NO Private Mortgage Insurance required
  • A credit score of 680 or better is required
  • Escrow required (taxes and insurance)
  • Closing allowed within 60 days before start of employment
  • The residence financed must be within a 50 mile radius of our main office at 232 East St., Bloomsburg, PA

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Medical Homebuyer

1Must meet certain conditions to qualify. Offer is not valid with any other offers. Loans are subject to credit approval. Consult a tax advisor regarding tax deductibility of interest. NMLS#410779 2Medical Doctorate Degree Required including: MD; DO; DDS; DMD; DVM

Let’s Get You Prequalified

The First Step to Homeownership

Your life is busy, but getting prequalified can help the process go faster and more smoothly with just a short phone call. Prequalification is the first step to homeownership. Our lenders are experts in analyzing finances and creating unique-to-you price ranges and financing options to ensure your home buying process starts on the right path. Find out how much you may be able to borrow so you can shop for your first home with confidence. Having a prequalification letter can also make you a stronger buyer in the eyes of sellers. 

Get Prequalified

Apply for a medical professional mortgage!

If you’re looking to work with the best Mortgage Lender, look no further than First Columbia. We are the area’s #1 mortgage lender. Our lenders live and work in the same communities as you, including Danville and Montour County, where our newest branch location is conveniently located near Geisinger Medical Center. We work with many  medical professionals and we will be with you every step of the way through the entire homebuying process from pre-approval through closing. Connect with a local lender, apply for a mortgage online, or start the pre-qualification process today. 

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