Skip navigation
      A house call that leads you home

      The BMO Physicians’ Mortgage Program.

      A house call that leads you home

      The BMO Physicians’ Mortgage Program.

      You’re going places. We can help.

      At BMO, we believe healthcare professionals spend their time helping others and now it is our turn to help them, especially when it comes to homebuying. That’s why we’re pleased to offer the BMO Physicians’ Mortgage Program. , footnote 1

      Open to residents, fellows and existing or newly licensed medical doctors, , footnote 2 the program is designed to help eliminate many of the roadblocks to mortgage financing faced by physicians. , footnote 3 Plus, you can get a 0.125% rate discount with auto pay. , footnote 4

      Let’s get moving.

      Talk to a Mortgage Banker to get started.

      • Call us 1-888-482-3781

        Monday to Thursday 8 AM to 7 PM (Central Time)

        Friday 8 AM to 6 PM (Central Time)

      We address the concerns you might have about homebuying:

      • Think student debt means you can’t afford the home you’d hoped for?
        BMO offers flexible debt-to-income underwriting guidelines
      • Worried about a lack of income history?
        We impose no income history requirement (proof of future income, like residency or employment contracts, is required) , footnote 5
      • Want to save thousands over the life of your loan?
        No private mortgage insurance is required
      • Concerned about a lack of ready cash?
        We give you the ability to borrow up to 95% on mortgages up to $1.5 million and 90% on mortgages up to $2 million , footnote 3
      • Need to move in before you start your new position?
        Employment start date can take place within 90 days of closing

      Other advantages:

      • All standard fixed- and adjustable-rate mortgage products are available
      • Available for new purchase or refinance
      • Various property types are allowed , footnote 1
      • Call us 1-888-482-3781

        Monday to Thursday 8 AM to 7 PM (Central Time)

        Friday 8 AM to 6 PM (Central Time)