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Adjustable-rate options for purchasing or refinancing.
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Single-family homes, condos, multi-unit properties, second homes and more.
Competitive loan-to-value ratios and flexible income verification for global faculty.
Priority Access to Credit & Lending: Custom home‑financing options, practice‑growth lending, and flexible qualifying structures designed with UHealth professionals in mind.
This mortgage program is designed for licensed medical professionals, including physicians, residents, fellows, and other eligible healthcare specialists, as outlined in the “Who We Serve” section.
This program offers higher loan to value options, no mortgage insurance requirement, and flexible underwriting, including consideration for deferred student loans and limited time out of residency.
Yes. Eligible borrowers may use this program for primary residences, and in some cases second homes, subject to program guidelines.
City National Bank provides tailored lending solutions, property flexibility, and priority access to credit, supported by a private banking team experienced in working with medical professionals.
1Doctors Program Disclosure:
All mortgage loans are subject to credit approval, verification, and applicable program guidelines. Terms and conditions apply. This is not a commitment to lend. Loan programs, rates, and conditions are subject to change without notice. Current as of March 03, 2026. City National Bank of Florida’s Medical Professionals Mortgage Program is available to qualified, licensed medical professionals as defined by program guidelines and is subject to verification of professional credentials, property eligibility, occupancy requirements, and underwriting criteria.
Eligibility is applied consistently and without regard to any protected characteristic in accordance with fair lending laws. Program features—including loan to value options, mortgage insurance requirements, and underwriting considerations—are not guaranteed and may vary based on individual borrower qualifications, loan structure, and credit profile. Representative program ranges and criteria are available upon request.
Certain underwriting flexibilities, such as consideration of deferred student loan obligations or limited time out of residency, may be available in accordance with program guidelines and are subject to credit approval. Availability of these flexibilities is not guaranteed and may depend on additional documentation or compensating factors.
Interest on any portion of a loan exceeding the property’s fair market value may not be tax deductible. Mortgage interest deductibility is subject to complex IRS rules and may depend on theuse of loan proceeds. Borrowers should consult a qualified tax advisor regarding the deductibility of mortgage interest.
City National Bank of Florida does not provide tax, legal, or accounting advice. Clients should consult their own professional advisors regarding their individual circumstances. Tax treatment of advisory fees and investment income may vary based on individual circumstances.
NMLS #412469
