If you’re a licensed professional with strong income and solid credit, you may qualify for a specialized mortgage program.
At Sawyer Cook Mortgage, we offer a Professional Portfolio Loan Program designed specifically for high-earning licensed professionals seeking greater flexibility and stronger purchasing power than traditional loan programs typically allow.
This is not a mass-market mortgage product — it’s a niche program built for a very specific borrower profile.
Who This Program Is Designed For
To be eligible, the primary applicant must be a licensed professional and the highest income earner on the loan. Eligible professions generally include:
-
Medical professionals (physicians, dentists, pharmacists, advanced practice providers, veterinarians, etc.)
-
Attorneys
-
Professional engineers and architects
-
Financial professionals such as CPAs and financial advisors
-
Commercial airline pilots (ATP license)
Other licensed professions may be considered on a case-by-case basis with additional approval.
In addition, borrowers must meet income, credit, and residency requirements, and must have an established U.S. credit history and Social Security number. Non-occupant co-borrowers are not permitted on this program.
Eligible Property Types
This program can be used for:
-
Primary residences
-
Second homes
-
Investment properties (within program limits)
Eligible properties typically include:
-
Single-family homes
-
Townhomes and PUDs
-
Warrantable condominiums
Properties such as multi-unit buildings (3–4 units), manufactured homes, mixed-use properties, and non-warrantable condos are not eligible.
High Loan Amounts & Strong Financing Options
One of the biggest advantages of this professional program is the ability to finance high loan amounts with competitive loan-to-value options, including:
-
Loan amounts starting at $250,000
-
Primary residence financing up to high LTV levels, even on large loan balances
-
Maximum loan amounts up to $3 million on owner-occupied properties (lower limits apply for second homes and investments)
In some cases, mortgage insurance may be available on higher LTV scenarios through approved insurers, making it possible for qualified professionals to preserve cash instead of bringing large down payments.
Purchase and Refinance Options
This program is available for:
-
Home purchases
-
Rate-and-term refinances
Cash-out refinances are not permitted, which helps keep the focus on responsible long-term financing rather than equity extraction.
What Makes This Program Different
This isn’t something you’ll find advertised on big lender websites or online rate engines.
This professional portfolio program is:
-
Designed for very specific professional profiles
-
Underwritten with additional flexibility compared to standard conventional loans
-
Not available through retail banks or online lenders
Access to programs like this is one of the biggest advantages of working with a mortgage team that specializes in professional and high-income borrowers.
A Quick (and Important) Note
As with all mortgage programs:
-
Guidelines can change
-
Final terms depend on credit, income, assets, and property type
-
Full underwriting approval is required
Not every licensed professional will qualify, and not every property will fit program guidelines — which is why a quick eligibility review is the best place to start.
