For Michigan’s medical professionals, owning a home shouldn’t mean jumping through hoops. That’s why People Driven Credit Union created the Doctors Advantage Fixed Mortgage Financing for Medical Professionals, a program designed to make homeownership easier, faster, and more affordable for those who serve our communities every day.
Doctors Advantage Fixed Mortgage: 100% Mortgage Financing for Medical Professionals
We understand that your career often starts with years of schooling and student loans, which can delay traditional down payment savings. This program is designed to help you overcome those barriers and achieve homeownership without compromising your financial stability.
Why Choose the Doctors Advantage Fixed Mortgage?
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- 100% financing, no down payment required (CLTV/HCLTV up to 100%)
- No Private Mortgage Insurance (PMI)
- No LLPAs (Loan-Level Price Adjustments)
- Fixed-rate stability, predictable payments for the life of the loan
- Premium pricing and buydown options allowed
- Loan amounts up to $1,000,000
- Minimum credit score: 740
- Maximum debt-to-income ratio: 40%
Who Is Eligible?
This program is open to licensed professionals with a minimum of two years of experience in their field. Eligible occupations include:
- 🩺 Doctors
- 🦷 Dentists
- 👩⚕️ or 👨⚕️ Nurses
- 💊 Pharmacists
- 🐾 Veterinarians
- 🚑 First responders
- 💉 Anesthesiologists
Whether you’re purchasing your first home, relocating, or upgrading, this program offers unmatched flexibility with zero PMI, high loan limits, and no special add-ons to your interest rate.
Let’s Get You Home
Whether you’re fresh out of residency or well into your career, the Doctors Advantage Fixed Mortgage puts homeownership within reach.
Contact our mortgage team today to speak with a lending expert and get started.
Meet Our Mortgage Loan Officer
Michelle Dzon is authorized to act as an agent on behalf of People Driven Credit Union. Contact her for personalized assistance with your mortgage needs.
Michelle Dzon
Member First Mortgage, LLC (MFM)michelle.dzon@memberfirstmortgage.com
Connect with Michelle
616-301-1714 | NMLS ID: #401292 | People Driven Credit Union NMLS ID: #776727
Ready to Buy Without the Down Payment Hurdle?
The Doctors Advantage Fixed Mortgage offers 100% financing and no PMI for qualifying Michigan medical professionals. Here is how to learn more or get started today.
See the Doctors Advantage Fixed Mortgage
Review the full product details for the Doctors Advantage Fixed Mortgage, including eligible professions, property requirements, credit score minimums, and loan parameters. Available on qualifying purchase transactions for primary residences in Michigan.
Connect With Michelle Dzon
Michelle Dzon is PDCU’s mortgage loan officer at Member First Mortgage. Call her at 616-301-1714 or email michelle.dzon@memberfirstmortgage.com to talk through your situation, confirm eligibility, and get your application started. You can also apply online directly through the Member First Mortgage portal.
All mortgage loans subject to credit approval and membership eligibility. Available on qualifying purchase transactions in Michigan only. Not available on condos, townhomes, multi-unit properties, or manufactured homes. Minimum two years in eligible profession required. This is not a commitment to lend. People Driven Credit Union partners with Member First Mortgage for mortgage loan origination. Member First Mortgage, LLC NMLS ID# 149532. Michelle Dzon NMLS ID# 401292. People Driven Credit Union NMLS #776727. Equal Housing Lender. Federally insured by the NCUA.
Disclosures
Available to all eligible medical professional members using a conventional mortgage loan program on a purchase transaction with People Driven Credit Union in the State of Michigan. Not eligible on multi-unit properties, condos, townhomes, or manufactured houses. The Loan Example is current as of 9/9/2025 and based on a $200,000 loan amount with a conventional 30-year fixed rate term (360 monthly principal and interest payments of $1,231.43); 0% Down Payment; 6.25% Interest Rate with an Annual Percentage Rate (APR) of 6.465%. Rates quoted assume excellent borrower credit history. Payment example does not include taxes and insurance; the actual payment obligation will be higher. The cost of Private Mortgage Insurance (PMI) is waived as part of this promotion, to be paid by the Lender. This is not a commitment to lend. All lending products are subject to credit and property approval. Additional restrictions may apply. MFM is a partner of People Driven Credit Union. Michelle Dzon #401292, is authorized to act as agent of People Driven Credit Union (24333 Lahser Road, Southfield, MI 48033 | (248) 263.4100 | NMLS ID: 776727) and is authorized to represent MFM, a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (616) 538.1818 | NMLS ID: 149532). For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.
