These are "portfolio loans" kept by the bank. They rely heavily on your credit history and earning potential rather than a cash deposit. The Strategy: Using Your Credit as Leverage
If you are a doctor, lawyer, or high-earning professional, many banks offer "Specialty Loans." 0% down and no PMI, even on jumbo loan amounts. buying a house with no down payment and good credit
Your high score keeps your PMI payments incredibly low—sometimes half the cost of what someone with average credit would pay. 4. Physician or Professional Loans These are "portfolio loans" kept by the bank
0% down payment and no private mortgage insurance (PMI). or high-earning professional