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More Professionals Are Getting Home Loans… with Uniquely Flexible Terms

Professional Loan | Opes Advisors


Our Professional Loan program has been a huge hit with homebuyers who need a loan with flexible payment terms.1

This program is popular because we included2:

  • Doctors
  • Dentists
  • Attorneys
  • Veterinarians
  • Certified Public Accountants
  • Nurse Practitioners
  • Nurse Anesthetists
  • Clinical Nurse Specialists and
  • Airline Transport Pilots.

If you’re actively in one of these professions and want to buy a home, you can take advantage of this.

This unique loan includes:

  • Purchase and rate/term refinance for a primary residence
  • No down payment on loans to $850,000; low down payments on loans to $1.5M.
  • 5/1 and 7/1 Adjustable Rate Mortgages (ARMs).3
  • 720 minimum FICO
  • Requires three months of PITI reserves


Contact us today to learn how our Professional Loan program can help you get into the home you want.


Borrower must open a checking or savings account with Flagstar to participate.

Eligible borrowers must be actively engage in their profession which includes: a Medical Resident (with educational license), Doctor of Medicine (MD), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine or Surgeon (DMD), Doctor of Optometry (OD), Doctor of Ophthalmology (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric medicine (DPM), attorneys, veterinarians (DVM), Certified Public Accountant (CPA), Nurse Anesthetist, Nurse Practitioner, Clinical Nurse Specialist, ATP Pilots

With an adjustable-rate mortgage (ARM), your 5/1 loan will have an initial fixed-rate period of 60 months and your 7/1 loan will have an initial fixed-rate period of 84 months. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.


Not a commitment to lend. Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Purchase and rate/term refinance. Primary residence only. Some restrictions may apply.  While Opes Advisors, a division of Flagstar Bank, Member FDIC, uses all reasonable efforts to ensure that this information is current, accurate and complete on the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Opes Advisors, a division of Flagstar Bank, Member FDIC, therefore, cannot be held liable for any loss arising or indirectly from the use of, or any action taken in reliance on, any information appearing in this.

Opes Advisors, a Division of Flagstar Bank | Member FDIC | Equal Housing Lender