We have the Prescription for Homeownership!

We’re excited to announce our newest loan program, designed to benefit medical professionals. With flexible qualifying guidelines and competitive terms, we’re honored to care for those whose lifework is to care for others.

PROGRAM BENEFITS:

• Down payments options as low as 0%
• Flexible credit requirements
• No Mortgage Insurance required
• Purchase and refinance options
• For primary residences only
• Student Loan Debt excluded from debt-to-income (DTI) Ratio under certain conditions

ELIGIBLE BORROWERS:

• Medical Doctor (MD)
• Doctor of Osteopathy (DO)
• Doctor of Dental Science or Surgery (DDS)
• Doctor of Dental Medicine (DMD)
• Doctor of Ophthalmology (MD or DO)
• Doctor of Psychiatry (MD or DO)
• Doctor of Pharmacy (PharmD)
• Doctor of Veterinary Medicine (VMD)
• Doctor of Podiatric Medicine (DPM)
• Certified Registered Nurse Anesthetist (CRNA)
• Medical Residents, Fellows, or Interns with one of the above degrees

Have a client that could benefit from this program? Let’s team up to assist them today!

The Solution: A Program Designed for Medical Professionals

The SWBC Medical Professionals Program is built specifically for:

• Physicians (MD, DO)
• Dentists (DDS, DMD)
• Pharmacists (PharmD)
• Veterinarians (DVM/VMD)
• Podiatrists (DPM)
• Psychiatrists
• Ophthalmologists
• Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP)
• Medical Residents, Fellows, and Interns with one of the above degrees

If your career is in medicine, this program was designed with you in mind.

The Key Benefits (And Why They Matter)

1. Up to 100% Financing

Yes — you read that right.

Qualified medical professionals may be able to purchase a home with up to 100% financing, depending on credit profile and loan structure.

That means little to no down payment required, helping you preserve cash for:

• Relocation
• Emergency reserves
• Student loan management
• Life outside of work

2. No Monthly Mortgage Insurance (MI)

Most programs with high loan-to-value financing come with a cost — monthly mortgage insurance.

This program is different.

No mortgage insurance is required in eligible scenarios, even at higher loan-to-value levels.

That can significantly improve monthly affordability compared to traditional options.

3. Student Loan Flexibility

This is one of the biggest differentiators.

Under certain conditions — particularly during residency or fellowship — student loan payments may be excluded from your debt-to-income ratio.

Translation:

• Your qualification may not be negatively impacted the same way it is with standard loans
• You may be able to qualify for more home — or qualify when you otherwise couldn’t

4. Use Your Employment Contract to Qualify

Starting a new role soon?

This program allows qualifying with a fully executed employment contract or offer letter, even before your first paycheck.

That’s a game-changer for:

• Relocating physicians
• Residents transitioning into attending roles
• Medical professionals moving for new opportunities

5. Designed for Real-Life Medical Career Paths

Unlike conventional loans that rely heavily on automated underwriting systems, this program is manually underwritten.

That allows for:

• Better understanding of complex income structures
• More flexibility with unique financial profiles
• A human review process — not just an algorithm

How This Compares to Traditional Bank Mortgages

Feature	Traditional Mortgage	SWBC Medical Professionals Program
Down Payment	Often 3%–20%+	Up to 100% financing available
Mortgage Insurance	Typically required at high LTV	No MI in eligible scenarios
Student Loans	Fully counted in DTI	May be excluded in certain cases
Income Qualification	Based on historical income	Employment contracts allowed
Underwriting	Automated (AUS)	Manual review

Simply put: this program is built for your career — not against it.

What It Takes to Qualify

While the program offers flexibility, it still follows responsible lending practices and full documentation requirements.

Typical considerations include:

• Minimum credit score based on loan structure
• Full documentation of income, assets, and employment
• Valid Social Security number
• Verified medical degree and professional designation

Each borrower is evaluated individually based on a complete financial picture.

A Personal Note from Steve Furlong

“I’ve worked with a lot of medical professionals over the years — from residents buying their first home to experienced physicians relocating for new opportunities.

What I’ve learned is this: your financial story doesn’t look like everyone else’s — and it shouldn’t be treated that way.

That’s why I focus on programs like this one.

My job isn’t just to get a loan approved. It’s to help you understand your options, avoid costly mistakes, and structure a mortgage that actually supports your long-term goals.

If you’re in the medical field, I take that responsibility seriously — because I know how much you’ve invested to get where you are.”

— Steve Furlong
Sr. Loan Officer | NMLS #275939
SWBC Mortgage Corporation, NMLS 3741

8201 Norman Center Dr. Suite 420
Bloomington, MN 55437

Cell: 651-235-6429
Office: 952-314-6087

Website: www.furlongteam.com
Email: steve.furlong@swbc.com

EQUAL HOUSING LENDER

Take the Next Step

If you’re a medical professional planning a home purchase — whether now or in the near future — this program may offer advantages you won’t find with traditional financing.

Learn more and connect directly here:

www.furlongteam.com/medical-professionals

Important Disclosure

This information is provided for educational purposes only and is not a commitment to lend. All loans are subject to credit approval and program guidelines. Terms, conditions, and eligibility requirements apply and are subject to change. Not all borrowers will qualify.

SWBC Mortgage Corporation, NMLS #9741. Check licensing at www.nmlsconsumeraccess.org. Loans subject to credit and property approval, restrictions and conditions may apply. Not all loan programs or loan amounts available in all areas.

Programs and guidelines subject to change without notice.

Corporate office: 9311 San Pedro Ave., Ste. 100, San Antonio, TX 78216.

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