People Driven Credit Union created the Doctors Advantage Fixed Mortgage to reward Michigan’s medical professionals with a home financing option that offers stability, competitive rates, and the financial breathing room they deserve. Whether you’re purchasing a primary residence, second home, or investment property, this program is built to support your future.
Membership and eligibility requirements apply, with approval subject to application, credit, and property considerations.
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Apply Online
Apply for your Fixed Rate Mortgage online.
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Get a Quote
Get your personalized rate quote for an Fixed Rate Mortgage with PDCU.
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Talk to an Expert
Discuss our programs, your current application, or the priority of your application with Michelle Dzon.
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Explore an ARM Mortgage
Learn about PDCFU's Flexible Adjustable Rate Mortgage Financing for Michigan’s Medical Professionals.
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
616-301-1714 | NMLS ID: #401292 | People Driven Credit Union NMLS ID: #776727
Why Choose the Doctors Advantage Fixed Mortgage?
Up to 100% financing available – No down payment required for qualified borrowers (CLTV/HCLTV up to 100%)
No Private Mortgage Insurance (PMI)
Fixed-rate stability – predictable payments for the life of your loan
No Loan-Level Price Adjustments (LLPAs) – Interest rate not increased based on common risk-based factors
Premium pricing and buydown options allowed
Loan amounts up to $1,000,000 (may vary by borrower qualifications and property type)
Minimum credit score: 740
Maximum debt-to-income ratio: 40%
Applications accepted beginning July 22, 2025. Program availability is subject to change without notice. Mortgage insurance may be required based on borrower qualifications—program terms and eligibility are subject to underwriting approval.
Who’s Eligible?
To qualify, you must have at least two years of experience in one of the following licensed medical fields:
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Doctor
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Dentist
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Pharmacist
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Veterinarian
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Anesthesiologist
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Nurse
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First Responder
This loan is available throughout the state of Michigan and can be used for a primary residence, second home, or investment property.
Secure Your Home with Long-Term Stability
When your life and career require stability, a fixed-rate mortgage is a sensible choice. And with the added benefits of 100% financing and flexible underwriting, our Doctors Advantage Fixed Mortgage gives you the support you need to achieve your homeownership goals.
Let’s Get You Home
Whether you’re fresh out of residency or well into your career, the Doctors Advantage Fixed Mortgage provides the security and simplicity you need. Let’s talk about how to get started.
Contact us today to speak with our lending expert:
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
616-301-1714 | NMLS ID: #401292 | People Driven Credit Union NMLS ID: #776727
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.
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