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.
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 Mortgagemichelle.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:
-
Doctor
-
Dentist
-
Pharmacist
-
Veterinarian
-
Anesthesiologist
-
Nurse
-
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 Mortgagemichelle.dzon@memberfirstmortgage.com
616-301-1714 | NMLS ID: #401292 | People Driven Credit Union NMLS ID: #776727
Disclosures
Equal Housing Lender. Member First Mortgage, LLC NMLS ID# 149532.
All loans are subject to credit approval. Terms and conditions apply. Mortgage insurance may be required based on borrower qualifications. Program availability is subject to change without notice.
Mortgage rates change daily; therefore, inquire with PDCU for current mortgage rates.
Enjoy the added convenience of making payments with direct deposit. *Use of a calculator tool is not a guarantee of credit.
*Available to all borrowers using a Conventional or Government mortgage loan program on a purchase or refinance transaction with People Driven Credit Union, NMLS ID# 776727, and Member First Mortgage, LLC (MFM), NMLS ID# 149532 only. All loans are subject to approval. additional restrictions may apply.
- Lower your monthly mortgage payment
- Eliminate Mortgage Insurance payments
Closing Costs Promo:
Conventional Disclosure: Available to all borrowers using a conventional mortgage loan program on a purchase or refinance transaction with People Driven Credit Union, NMLS ID: 776727, and Member First Mortgage, LLC (MFM), NMLS ID: 149532. Eligibility requires a borrower credit score of 620 or higher; detached, owner-occupied properties only. Refinancing an existing mortgage loan may result in higher total finance charges over the life of the loan. This is not a commitment to lend.
Member First Mortgage, LLC is an affiliate of People Driven Credit Union.
- People Driven Credit Union: 24333 Lahser Rd., Southfield, MI, 48033 | (248) 263.4100 | NMLS ID: 776727.
- Member First Mortgage, LLC Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532.
Equal Housing Opportunity.
Example: Based on a $200,000 loan with a conventional 30-year fixed rate term (360 monthly principal and interest payments of $1,280.62, not including taxes and insurance); annual percentage rate (APR) of 6.732%. The down payment assumes a 5% cash requirement by the borrower, with 95% financing.
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. Refinancing an existing mortgage loan may result in higher total finance charges over the life of the loan. People Driven Credit Union 24333 Lahser Road, Southfield, MI 48033 | (248) 263.4100| NMLS ID: 776727 |
$100,000 – 30-year term at the interest rate of 7.928%, the monthly payment would be approximately $729
Payment Examples Do not include taxes and insurance; the actual payment obligation will be higher.
*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
People Driven Credit Union is an Equal Housing Opportunity Lender NMLS #776727
All other trademarks are the property of their respective owners.
SAFE Act Compliance Testing:
We conduct annual independent testing of our mortgage compliance in accordance with the SAFE Act (Reg G) requirements.
You Might Also Be Interested In…
Flexible Mortgage Financing for Medical Professionals
Not every doctor wants to stay in the same home—or even the same state—for 30......Read More
No Down Payment? No Problem: PDCU’s Zero Down Mortgage
Dreaming of owning your first home but struggling to save for a down payment? You’re......Read More
100% Mortgage Financing for Medical Professionals
For Michigan’s medical professionals, owning a home shouldn’t mean jumping through hoops. That’s why People......Read More
Your Guide to Buying Your First Home: Tips for National Homeownership Month
June is National Homeownership Month, a perfect time to celebrate the joy of owning a......Read More
