08/24/2026
# Titan MD: Up to 100% Home Financing for Dentists and Medical Professionals
Starting a career in dentistry or medicine is exciting, but buying a home can be challenging—especially when student loan debt, limited savings, or a future employment start date are part of the picture.
At Ameripro Mortgage, we help medical professionals explore specialized home financing programs designed around their unique career paths. One option is Titan MD, a mortgage program that may offer eligible borrowers up to 100% financing with no mortgage insurance.
# # Who May Qualify for Titan MD?
Titan MD is available to eligible medical professionals with one of the following degrees or designations:
* MD
* DO
* DDS
* DMD
* PharmD
* VMD
* DVM
* DPM
* CRNA with a DNP or DNAP
Qualified first-time homebuyers and experienced homeowners may apply. A minimum FICO® score of 680 is generally required, along with at least one credit tradeline that has been reporting for 24 months.
# # Titan MD Program Highlights
Depending on the borrower’s qualifications and applicable program guidelines, Titan MD may provide:
* Up to 100% loan-to-value financing
* Maximum loan amounts of up to $2 million
* No mortgage insurance
* No Automated Underwriting System requirement
* Fixed-rate and adjustable-rate mortgage options
* Financing for eligible primary residences
* No reserve requirement in certain scenarios
* Gift funds and eligible retirement funds for reserves
* Business funds allowed, subject to program requirements
* Transferred appraisals accepted
* Student loans in deferment that may be excluded from the debt-to-income calculation
Available property types may include one-unit homes, modular homes, warrantable condominiums, and planned unit developments. Properties may contain up to 40 acres, subject to applicable guidelines.
# # Buying a Home With an Employment Offer Letter
New dentists and medical professionals may not need to wait until they have started their new position to pursue homeownership.
Titan MD may allow eligible borrowers to qualify using a fully executed employment offer letter. The offer letter must meet program requirements, and the employment start date generally must be within 150 days of the mortgage note date.
Standard employment contingencies—such as professional licensing, background checks, and similar conditions—may be permitted.
This option can be particularly valuable for recent graduates, residents, fellows, and medical professionals relocating for a new position.
# # Options for Contract and Self-Employed Professionals
Titan MD may also accommodate eligible 1099 or contract employees. Requirements generally include an executed contract showing a guaranteed salary or an hourly rate with guaranteed working hours. The employment start date must usually be within 60 days of the mortgage note date.
Self-employed medical professionals may qualify with a minimum of 12 months of documented income, subject to Fannie Mae self-employment standards and other underwriting requirements.
# # Understanding the Down Payment and DTI Guidelines
Titan MD offers up to 100% financing, which may allow a qualified borrower to purchase a home without making a traditional down payment.
The program’s maximum debt-to-income ratio generally depends on the loan-to-value ratio:
* For an LTV of 90.01% to 95%: Maximum DTI may be up to 50%
* For an LTV above 95%: Maximum DTI may be up to 45%
A non-occupant co-borrower may also be permitted, although their qualifying income contribution is generally limited to 50% of the total income used for the loan.
# # How Ameripro Mortgage Can Help
Specialized medical professional mortgages include detailed eligibility, income, credit, reserve, and property requirements. At Ameripro Mortgage, we can review your complete financial picture, explain the available options, and help you determine whether Titan MD is appropriate for your homebuying goals.
If you are a dentist or medical professional with an employment offer letter, contract income, student loan debt, or limited funds for a down payment, you may have more financing options than you realize.
# # Take the Next Step Toward Homeownership
Are you ready to find out whether you may qualify for up to 100% home financing?
Contact Ameripro Mortgage today for a personalized mortgage review. We will answer your questions, evaluate your eligibility, and help you build a clear path toward purchasing your new home.
Kenneth Dunn nmls #22644,85363
Ameripro Mortgage LLC Idaho, California Oregon
208-410-6264
*Program availability, terms, interest rates, loan limits, and underwriting requirements are subject to change without notice. Up to 100% financing is available only to qualified borrowers and is subject to credit approval, income verification, property eligibility, and all applicable program guidelines. Additional restrictions may apply. This is not a commitment to lend.*
