Nurses/Medical Professional Mortgage Loan Program

Hi all – quick heads up for nurses and other medical professionals looking to buy a home.

Alliant rolled out a new Expanded Medical Professionals mortgage program, effective May 1, 2026, and it’s actually pretty solid if you qualify. Here’s a breakdown:

Who this is for

• Registered Nurses (RN)
• Nurse Practitioners (NP)
• CRNAs
• Physician Assistants
• Pharmacists (PharmD)

(Valid license or non‑contingent job offer required.)

The big benefits

• Up to 95% financing
• No PMI
• Purchase only
• Owner‑occupied primary residence
• Employment can start after closing (offer or contract required)

 Loan basics

• Conforming portfolio ARM loans only
• 1‑unit properties
• Minimum 720 credit score
• 2 months reserves
• 1‑unit primary residences only

Important RN note (Associate Degree only) Extra rules apply if you’re an RN with an associate degree:

• Must have 2 full years of RN employment
• Income averaged over 2 years (no exceptions)
• Max DTI 31/43
• 2 extra months reserves

Bottom line This is a strong option for nurses and medical professionals who want low down payment financing without PMI, but the guidelines are specific.

Happy to answer questions… just wanted to get this out there since it’s brand new.

I can run a scenario for you on this program here: https://www.reddit.com/r/HomeLoans/comments/1t0zp1s/may_2026_mortgage_rate_megathread/

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