Physician Loans

Helping medical professionals find a place to call home


At First Federal Bank of Kansas City, we envision prosperity and a home for all. Our unique physician loan program brings that vision to life for medical professionals* who dedicate their lives to serving others. With fewer restrictions and less upfront fees, you can achieve home ownership even before your first day on the job!

Benefits you deserve

  • 100% LTV financing up to $1M - no down payment required
  • No private mortgage insurance - save thousands over the loan term
  • Higher loan limit - finance purchases up to $1.5M
  • Local underwriting and servicing - direct access to resources in Kansas and Missouri

Flexibility you need

  • Fixed and adjustable rate options - loan terms vary
  • Relaxed debt-to-income standards - student loan debt is not counted against you
  • No income history required - signed employment contract is sufficient

*Eligible borrowers include interns, residents, fellows, and licensed medical professionals practicing within 10 years of residency completion. Physician is defined as one who is a Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Nurse Practitioner (NP), Physician Associate (PA), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DMD), Doctor of Pharmacy (PharmD), Doctor of Podiatric Medicine (DPM), Doctor of Science (DS), or Doctor of Optometry (OD). Applicable to purchases of a primary residence in Kansas or Missouri.

Crunch the numbers

Whether you’re looking to calculate how much home you can afford or how much you might pay each month, we have the tools to help you dominate the digits.

Get started

We got your back

We believe everyone should be the boss of borrowing. That’s why we have a team of home loan consultants ready to answer questions and help you navigate the process.


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