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Residential Mortgages



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Who's eligible?

We have special home loan solutions for licensed and practicing doctors and dentists, optometrists, estheticians, medical residents and fellows, veterinarians and other eligible medical professionals*.


A competitive mortgage loan up to $4,000,000 with special allowances for the unique circumstances of a medical career. 

You can use this loan to:

  • purchase a new home

  • refinance an existing home 

  • ​cash-out refinance

  • ​purchase a second home

  • pay down student debt


Let's Connect

If you'd like to learn more, book a complimentary call
with Kathy LeClair, Senior Vice President, today.


Or reach out to Kathy directly at (603) 640-2689

Key Features

  • Loan amount up to $4,000,000

  • Up to 100% of purchase price financed for first-time home buyers

  • Up to 100% of purchase price financed for next home purchase, if relocating

  • Up to 85% refinance including cash-out and second home purchases

  • Multiple repayment terms available

  • No mortgage insurance required

  • Low origination fee

  • Flexible underwriting for fellows and residents with student loans

  • Collateral: First mortgage lien only on owner-occupied single and two-family dwellings, second homes and warrantable condominiums

  • Interest rate: Standard Ledyard National Bank interest rate for each term, with the ability to reduce your interest rate if you set up auto-deduct in your Ledyard account. Additional opportunity to reduce your rate with a Ledyard Financial Advisor relationship.





Need to move in before you start your new position?

Employment start date can take place within 90 days of closing

Want to save thousands over the life of your loan?
No private mortgage insurance is required

Think student debt means you can’t afford the home you’d hoped for?
Ledyard offers flexible debt-to-income underwriting guidelines

Worried about a lack of income history?
We impose no income history requirement (proof of future income, like residency
or employment contracts, is required) 1




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*CRNAs, NPs, CNSs and PAs also qualify. Subject to credit and property approval. Some restrictions may apply. Program subject to change without notice.

1 You must provide evidence that employment will start within 90 days of loan closing.

Available to qualified licensed healthcare professionals for the purchase or rate/term refinance of primary residence (1-2 unit, single family, condominium and townhomes) located in Massachusetts, New Hampshire, Vermont and Maine. Investment properties are excluded.

Ledyard Private Banking is a division of Ledyard National Bank.
Ledyard National Bank NMLS#407525 

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