Midland States Bank

Ernest Martinez, NMLS #640245



Mortgage loan programs designed exclusively for new and established physicians (MD, DO, or DPM) featuring fixed and adjustable rate mortgage options with no private mortgage insurance requirement.

New Physicians

Graduating medical students entering residency, current Residents, or Fellows scheduled to begin employment within 90 days of the purchase of the new home, or have started working for a hospital or physicians group within last 12 months.

  • 100% financing up to $500,000
  • Up to $1 million with 5% down payment
  • Purchases only

Established Physicians

Designed for licensed Non-interns, Residents or Fellows who've been employed with a hosptial or physicians group for more than one year, or have been self-employed as a medical doctor for at least two years.


  • 100% financing up to $650,000
  • Up to $1 million with 10% down payment
  • Up to $1.5 million with 15% down payment
  • No private mortgage insurance (PMI)


  • 100% LTV (loan-to-value) up to $650,000
  • 90% LTV up to $1 million
  • 85% LTV up to $1.5 million