Medical Professional Mortgage Loans in North Carolina
A medical professional mortgage loan in North Carolina is a home loan built for eligible medical careers. Through Ameris Bank's Medical Professional Loan, Ameris describes up to 100% financing, no private mortgage insurance required, and loan amounts up to $1,500,000, with closing possible before your start date when you have an employment contract and start within 60 days. Jill Burgess, NMLS #100425, Ameris Bank, helps eligible buyers with homes anywhere in North Carolina, from Raleigh-Durham and Charlotte to the Triad, Wilmington and Asheville. All loans are subject to credit approval.
Ameris Medical Professional Loan: at a glance (per Ameris; terms can change)
- Eligible: residents, fellows, medical doctors, osteopaths, dentists, pharmacists, veterinarians, physician assistants, chiropractors, podiatrists, maxillofacial surgeons, ophthalmologists and optometrists (within 10 years of fellowship/residency)
- Up to 100% financing
- No private mortgage insurance required
- Loan amounts up to $1,500,000
- Close before your employment start date with a signed contract and a start date within 60 days of closing
- Homes anywhere in North Carolina. Jill also works with medical professional buyers in Virginia, South Carolina, Georgia, Florida, Alabama and Tennessee.
All loans subject to credit approval and Ameris program guidelines.
If you are searching for a medical professional mortgage, doctor loan, or financing as a physician, physician assistant, dentist, pharmacist, veterinarian, resident, or fellow in North Carolina, you need guidance on contracts, start dates, and student-loan documentation—not a call-center checklist.
Jill Burgess, NMLS #100425, VP, NC Mortgage Production Manager at Ameris Bank (Mortgages By Jill), helps eligible medical professionals across Greensboro, Winston-Salem, High Point, the Piedmont Triad, and statewide NC. She can discuss Ameris Medical Professional Loans alongside conventional, jumbo, FHA, VA, USDA, and portfolio options when they fit.
AMERIS MEDICAL PROFESSIONAL LOAN OVERVIEW
Ameris Bank’s Medical Professional Loan is designed for careers that may sit outside a standard underwriting box. Features may include flexible financing when guidelines allow, no monthly PMI on qualifying structures when the program applies, higher loan amounts on eligible files, and closing tied to a qualifying employment contract and start-date timing in some cases. Eligibility may include physicians, PAs, dentists, pharmacists, veterinarians, residents, fellows, and other roles Ameris lists. Nothing above is guaranteed; Ameris and underwriting make the final decision.
WHO THIS PAGE IS FOR
Residents and fellows preparing for a first home; physicians and surgeons relocating to Greensboro, Winston-Salem, High Point, or statewide; PAs and other professions on Ameris's eligible list; dentists, pharmacists, veterinarians, and other listed professions; and established practitioners buying, refinancing, or coordinating housing around practice growth.
TRIAD & NORTH CAROLINA
Jill works with buyers joining Wake Forest, Cone, Novant, Atrium, private practice, or rural placements across the Triad and beyond. Offices: Main—3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103. Greensboro satellite—2711 Pinedale Rd, Suite A, Greensboro, NC 27408 (by appointment). Phone: (336) 740-9068. Email: jill.burgess@amerisbank.com.
HOW JILL HELPS
- Confirm whether your profession and contract timing fit current Ameris guidelines.
- Go over your student loans with Jill (file-specific).
- Compare Medical Professional with jumbo, conventional, FHA, VA, or USDA options.
- Guide pre-approval through Ameris processes and outline next steps to offer.
- Coordinate appraisal, conditions, and closing around your start date.
RELATED TRIAD PROGRAMS
- Housing Connect Greensboro
- First-time homebuyer paths
- NC Home Advantage
- FHA Loans Greensboro & Triad
- USDA Loans Piedmont Triad
- Winston-Salem mortgage lender
- Contact Jill
STUDENT LOANS & DEFERRED DEBT
How student loans are counted is file-specific; Jill reviews yours when you apply. Bring your loan servicer details to your consult; no debt-ratio outcome is promised.
HOW TO START
Call (336) 740-9068, email jill.burgess@amerisbank.com, or use the consultation form at mortgagesbyjill.com/contact.
NAP & COMPLIANCE
Jill Burgess, NMLS #100425 · Mortgages By Jill | Ameris Bank, company NMLS #408099. Main: 3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103. Greensboro satellite: 2711 Pinedale Rd, Suite A, Greensboro, NC 27408 (by appointment). (336) 740-9068. Equal Housing Lender. All loans subject to credit approval. Programs, terms, limits, eligibility, student-loan overlays, and availability change without notice. Educational only—not a commitment to lend, not a guarantee of approval, and not an offer of credit. No interest rates or APR are advertised here; confirm current Ameris guidelines with Jill.
Who qualifies: medical professions eligible for the Ameris Medical Professional Loan in NC
This loan is often called a "doctor loan," but Ameris Bank's list goes well beyond MDs and DOs. Find your role below, then confirm your role and timing with Jill.
Where Jill lends: This page is centered on North Carolina, and Jill takes Medical Professional Loan files for homes across the state, not only the Triad. She also works with medical professional buyers in Virginia, South Carolina, Georgia, Florida, Alabama and Tennessee. All loans are subject to credit approval.
City guides for medical professionals: physician loans in Durham, Chapel Hill and Raleigh · physician loans in Charleston, SC · physician loans in Gainesville, FL · physician loans in Charlotte, NC.
| Profession | Eligible under Ameris Medical Professional Loan? | Timing note |
|---|---|---|
| Medical doctors / physicians (MD) | Listed by Ameris | Within 10 years of fellowship/residency |
| Osteopaths (DO) | Listed by Ameris | Within 10 years of fellowship/residency |
| Residents | Listed by Ameris | Listed by Ameris. Ask Jill how the timing note applies while you're in training. |
| Fellows | Listed by Ameris | Listed by Ameris. Ask Jill how the timing note applies while you're in training. |
| Dentists (DDS/DMD) | Listed by Ameris | Within 10 years of fellowship/residency |
| Pharmacists (PharmD) | Listed by Ameris | Within 10 years of fellowship/residency |
| Veterinarians (DVM) | Listed by Ameris | Within 10 years of fellowship/residency |
| Physician assistants (PA / PA-C) | Listed by Ameris | Within 10 years of fellowship/residency |
| Chiropractors (DC) | Listed by Ameris | Within 10 years of fellowship/residency |
| Podiatrists (DPM) | Listed by Ameris | Within 10 years of fellowship/residency |
| Maxillofacial surgeons | Listed by Ameris | Within 10 years of fellowship/residency |
| Ophthalmologists | Listed by Ameris | Within 10 years of fellowship/residency |
| Optometrists (OD) | Listed by Ameris | Within 10 years of fellowship/residency |
Program terms per Ameris Bank. All loans subject to credit approval. Terms can change; confirm current guidelines with Jill Burgess, NMLS #100425.
Nurse practitioners and other roles: ask Jill about other loan options.
Per Ameris, the program offers up to 100% financing, no private mortgage insurance required, loan amounts up to $1,500,000, and the ability to close before your employment start date (with an employment contract and a start date within 60 days of closing). Subject to credit approval. Terms can change.
Physician assistant home loans in North Carolina
Physician assistants are on Ameris Bank's list for the Medical Professional Loan, so a PA in North Carolina isn't shut out just because people call it a "doctor loan." Ameris's timing note reads "within 10 years of fellowship/residency," and Jill can walk through how that fits your training path. Student loans: reviewed file by file. With a signed employment contract and a start date within 60 days of closing, you may be able to close before you start. Subject to credit approval. Call Jill at (336) 740-9068.
Pharmacist home loans in North Carolina
Pharmacists are listed by Ameris Bank for the Medical Professional Loan. Ameris describes up to 100% financing, no private mortgage insurance required, and loan amounts up to $1,500,000, with a timing note of "within 10 years of fellowship/residency." Whether you're finishing a residency or starting a hospital, retail or clinical role, Jill starts with your contract and your dates. Student loans: reviewed file by file. If your employment contract shows a start date within 60 days of closing, Ameris allows closing before you start. Subject to credit approval; terms can change. Call (336) 740-9068.
Dentist and veterinarian home loans in North Carolina
Dentists and veterinarians are both on Ameris Bank's eligible list. That matters because dental and veterinary school debt can be large, and a standard checklist may not account for it. Student loans: reviewed file by file. Joining a practice, taking an associate role or starting at a clinic? A signed employment contract with a start date within 60 days of closing may let you close before your first day, per Ameris. Subject to credit approval; terms can change. Call (336) 740-9068.
Optometrist, chiropractor and podiatrist home loans in North Carolina
Optometrists, chiropractors and podiatrists are all named on Ameris Bank's Medical Professional Loan list, along with ophthalmologists and maxillofacial surgeons. If you assumed these loans are only for MDs, check with Jill before you rule yourself out. Ameris's timing note reads "within 10 years of fellowship/residency," and Jill can explain how it fits your training and start date. Student loans are reviewed file by file, with no set outcome promised. With a signed employment contract and a start date within 60 days of closing, you may be able to close before you start work. Subject to credit approval; terms can change. Call (336) 740-9068.
Medical professional mortgages across North Carolina
Wherever you match, train or join a practice in North Carolina, Jill can work your Medical Professional Loan file. Here's how that looks by region.
Raleigh, Durham and Chapel Hill (the Triangle)
Starting residency or a staff role at Duke Health, UNC Health or WakeMed? Jill works Medical Professional Loan files for homes across Wake, Durham and Orange counties. Bring your contract and start date to the first call.
Charlotte
Joining Atrium Health or Novant Health in the Charlotte area? Jill can review your contract timing and walk you through the Medical Professional Loan alongside jumbo and conventional options.
Greensboro, Winston-Salem and High Point (the Triad)
Winston-Salem: Atrium Health Wake Forest Baptist and Novant Health
The ACGME reported 762 residents and fellows in 68 accredited programs at Wake Forest University Baptist Medical Center (Atrium Health Wake Forest Baptist) for the 2024–2025 academic year.
Source: ACGME, List of Sponsoring Institutions by Resident/Fellow Count, academic year 2024–2025. Counts are by sponsoring institution.
Jill's main office is at 3500 Vest Mill Road, Suite 1, Winston-Salem, so you can sit down with her in person, by appointment, before you sign anything.
Joining Novant Health in Winston-Salem as a physician, PA or pharmacist? The same contract and start-date steps apply.
Send Jill your contract as soon as it's signed; the start date on it drives the 60-day closing window. Ask Jill about neighborhoods near your hospital. See more on our Winston-Salem mortgage lender page.
First-time buyer in Winston-Salem? Residents and first-time buyers who fit income limits may be better served by a down payment assistance path. Jill is a preferred lender for the Forsyth County programs on our Winston-Salem homebuyer assistance page, and statewide options include NC Home Advantage. Income limits apply, and assistance usually comes with its own first mortgage, so ask Jill which path fits your file.
Cone Health (Greensboro)
Joining Cone Health in Greensboro? Jill meets Greensboro buyers at 2711 Pinedale Rd, Suite A, by appointment. Ask Jill about neighborhoods near your hospital. See more on our Greensboro mortgage lender page.
Atrium Health Wake Forest Baptist (High Point)
Heading to Atrium Health Wake Forest Baptist in High Point? Jill works with High Point buyers from both the Winston-Salem and Greensboro offices. Ask Jill about neighborhoods near your hospital. See our High Point mortgage lender page.
Wilmington, Greenville and Eastern North Carolina
Relocating for a role with Novant Health in Wilmington or ECU Health in Greenville? The same Medical Professional Loan guidelines apply statewide; Jill coordinates appraisal and closing around your start date.
Asheville and Western North Carolina
Taking a position with Mission Health or a practice in the mountains? Jill works Medical Professional Loan files for homes in Western North Carolina too.
Hospital names are for location reference only. Mortgages By Jill and Ameris Bank are not affiliated with or endorsed by these health systems.
Residents and fellows: from Match Day to closing before your start date
Starting residency or fellowship often means a new city, a new contract and a short window. If this is your first home, see our first-time home buyer guide too. Here's how the timeline usually runs with Jill:
- Match (spring). Once you know your hospital system, start the loan conversation early, before you fall for a house.
- Signed employment or residency contract. This is the document Ameris uses for the start-date option, so send Jill a copy as soon as it's signed.
- Preapproval review. Jill looks at your assets and your credit. Student-loan review is file-specific.
- House hunting near your hospital. Shop with a preapproval in hand and your commute in mind.
- Closing. Per Ameris, you may close before your start date when you have an employment contract and your start date is within 60 days of closing.
- Start date and first paycheck. You start work already settled in your new home.
All loans subject to credit approval. Terms can change; confirm current Ameris guidelines with Jill.
What to compare across North Carolina medical professional loan programs
- Which professions are eligible (some programs cover only MD/DO/dentists; Ameris's list also includes PAs, pharmacists, veterinarians, optometrists and chiropractors)
- How many years out of residency or fellowship you can be
- Maximum loan amount and maximum financing
- Whether private mortgage insurance is required
- How soon before your start date you can close
- How student loans are counted (file-specific)
Jill can walk you through how the Ameris Medical Professional Loan lines up for your file. Call (336) 740-9068.
Common questions from doctors, PAs, dentists, pharmacists, veterinarians, residents, and fellows
Medical Professional Mortgage FAQ
Guidelines and program features can change. Confirm your eligibility, documentation and current terms with Jill before relying on any figure. Related: jumbo loan options in North Carolina · read what past clients say · contact Jill.
It's a home loan built for eligible medical careers. With Jill, that's usually the Ameris Bank Medical Professional Loan, which Ameris describes with up to 100% financing, no private mortgage insurance required, and loan amounts up to $1,500,000. Jill Burgess (NMLS #100425) helps buyers with homes anywhere in North Carolina, including Raleigh-Durham, Charlotte, the Triad, Wilmington and Asheville, see whether that loan or another product fits. Subject to credit approval; terms can change.
No. Ameris lists residents, fellows, medical doctors, osteopaths, dentists, pharmacists, veterinarians, physician assistants, chiropractors, podiatrists, maxillofacial surgeons, ophthalmologists and optometrists (within 10 years of fellowship/residency). Confirm your role and timing with Jill.
Ameris lists residents, fellows, medical doctors, osteopaths, dentists, pharmacists, veterinarians, physician assistants, chiropractors, podiatrists, maxillofacial surgeons, ophthalmologists and optometrists, within 10 years of fellowship or residency. Confirm your role and timing with Jill. Subject to credit approval.
Yes. Physician assistants are on Ameris Bank's eligible list for the Medical Professional Loan. Your file still has to meet Ameris guidelines, and all loans are subject to credit approval. Confirm your timing with Jill.
Yes. Ameris lists both pharmacists and veterinarians, along with dentists, optometrists and other medical roles. Eligibility still depends on your file and Ameris guidelines. Subject to credit approval.
Nurse practitioners aren't on Ameris's published list for this program today. Ask Jill about other loan options that may fit.
Yes. Ameris's eligible list carries the note "within 10 years of fellowship/residency." Ask Jill how that applies to your training dates.
Residents and fellows are on Ameris's eligible list, and Ameris allows closing before your employment start date with an employment contract and a start date within 60 days of closing. Your file still needs to meet guidelines. Subject to credit approval.
Often yes, when you have a signed employment contract and meet Ameris's start-date timing rule. Confirm current guidelines and documentation with Jill.
Per Ameris, you can close before your employment start date when you have an employment contract and your start date is within 60 days of closing. Terms can change; confirm with Jill for your file.
Ameris lists loan amounts up to $1,500,000 for the Medical Professional Loan. If you need more, ask Jill about jumbo loan options in North Carolina.
Ameris lists "no private mortgage insurance required" for the Medical Professional Loan. Confirm for your file with Jill. Subject to credit approval.
How student loans are counted is file-specific; Jill reviews yours when you apply. No debt-ratio outcome is promised.
Yes. Jill works doctor and physician mortgage scenarios in Greensboro, Winston-Salem, High Point and surrounding markets through the Ameris Medical Professional Loan when guidelines fit, plus other loan types when they're a better match.
Yes. Jill takes Medical Professional Loan files for homes across North Carolina, including the Triangle, Charlotte, the Triad, the coast and Western NC. She also works with medical professional buyers in Virginia, South Carolina, Georgia, Florida, Alabama and Tennessee. All loans are subject to credit approval.
No. This page is general information only. All loans are subject to credit approval, Ameris program guidelines and underwriting. It's not a commitment to lend or a guarantee of approval.
Call the office at (336) 740-9068, email jill.burgess@amerisbank.com, or use the consult form on this page. Spanish: ask for Katherine Collins, katherine.collins@amerisbank.com. An inquiry isn't a loan application or a commitment to lend.
Call (336) 740-9068 or email jill.burgess@amerisbank.com to discuss your North Carolina home financing options.
Ready to see if a Medical Professional Loan fits?
Jill Burgess, NMLS #100425 · Mortgages By Jill · Ameris Bank. Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval and program guidelines. Confirm current Ameris guidelines with Jill.
Doctor, physician and PA loans in North Carolina
Ameris Bank’s Medical Professional Loan is often called a doctor loan, but it is not limited to MDs. Jill Burgess helps eligible physicians, physician assistants (PAs), dentists, pharmacists, veterinarians, residents, fellows, and other medical roles Ameris lists — across the Triad and statewide North Carolina.
Medical buyers may need a path that accounts for residency or fellowship contracts and start-date timing, student loan debt that does not fit a standard conventional checklist, or practice growth and relocation into NC health systems and private practices.
Jill works the Ameris Medical Professional program alongside conventional, jumbo, FHA, VA, USDA, and portfolio options when those fit better. Eligibility, documentation, and program features must be confirmed for your file — nothing on this page is a promise of terms.
Official Ameris specialized-loans overview: https://www.amerisbank.com/Personal/Mortgage/Loan/Specialized-Loans
Searching for a medical professional mortgage loan in North Carolina, a doctor loan in the Triad, or financing as a physician or physician assistant (PA) in Greensboro, Winston-Salem, or High Point? This page is the dedicated guide for Ameris Medical Professional Loans with Jill Burgess, NMLS #100425 — Mortgages By Jill at Ameris Bank.
Request a medical professional mortgage consult (North Carolina)
Call: (336) 740-9068
Email: jill.burgess@amerisbank.com
This page: https://www.mortgagesbyjill.com/medical-professional-mortgages
Contact: https://www.mortgagesbyjill.com/contact
Ameris LO profile: https://bankers.amerisbank.com/nc/winston-salem/jill-burgess-100425
Jill Burgess, NMLS #100425
Mortgages By Jill · Ameris Bank
Rated 4.94 out of 5 from 194 reviews on Experience.com, where she's in the Top 5%.
Main: 3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103
Greensboro: 2711 Pinedale Rd, Suite A, Greensboro, NC 27408
Hours (Winston-Salem): Monday–Saturday 9:00 AM–7:00 PM · Sunday Closed · By appointment only. Greensboro: by appointment only.
Equal Housing Opportunity. This page is general information only — not a commitment to lend, not a credit decision, and not a guarantee of approval or terms. All loans subject to credit approval and program guidelines. Medical Professional Loan features and eligible professions can change; confirm current Ameris guidelines with Jill before relying on any figure on this page.
Tell Jill you are exploring a Medical Professional, doctor, or PA mortgage in North Carolina or the Triad.