Best CRNA & Nurse Practitioner Mortgage Lenders 2026

Answer first: CRNAs (certified registered nurse anesthetists) and nurse practitioners (NPs) have the narrowest eligibility of any advanced-practice group in the physician-mortgage world, so verifying acceptance carefully matters most here. The programs that most consistently accept CRNAs and NPs in 2026 are Laurel Road (KeyBank), Regions, First National Bank of Pennsylvania, Flagstar, Premier Bank, and Navy Federal — while broad-desk lenders such as Truist should be confirmed directly. Most offer low- or zero-down financing with no PMI for qualified applicants, but the loan-amount tiers and exact profession lists vary.

Last updated July 2026.

How We Ranked CRNA & NP Mortgage Lenders

Advanced-practice nurses earn strong incomes and often carry meaningful graduate debt, but many "physician" programs stop at MDs, DOs, and dentists. So for CRNAs and NPs the ranking starts with one question: does the program actually accept the credential? From there we weigh:

1. CRNA / NP eligibility — is the credential explicitly listed?
2. Maximum financing structure — 0% vs. 5%/10%-down tiers and loan caps.
3. Student-loan DTI treatment — deferred exclusion vs. income-driven repayment (IDR) payment.
4. Availability — footprint and membership requirements.

Because nurse-anesthetist and NP coverage is the thinnest of any group we track, every listing below flags how confidently the credential is accepted. Where a lender's materials don't clearly confirm it, we say to confirm directly.

Best CRNA & Nurse Practitioner Mortgage Lenders

1. Laurel Road (KeyBank)

Laurel Road runs one of the broadest advanced-practice programs and has long extended to CRNAs, NPs, and PAs, with a fully digital application and integrated student-loan refinancing.

• Program structure: Low-to-zero-down financing with no PMI up to program limits (commonly up to $1,000,000 at 0% down); IDR payment often used for DTI.
• Best for: CRNAs and NPs who want a digital-first lender that clearly accepts the credential.
• Watch out for: No local branch; confirm your state and current tiers at application.

2. Regions Bank

Regions' Medical Professional program is one of the few regional programs that explicitly names nurse anesthetists and nurse practitioners (alongside PAs, pharmacists, and others), particularly strong in the Southeast.

• Program structure: Up to 100% financing with no PMI up to program limits; competitive underwriting.
• Best for: CRNAs and NPs buying in the Southeast who want a regional bank that names the credential.
• Watch out for: Eligible professions and loan tiers can vary by state — confirm your state's list directly.

3. First National Bank of Pennsylvania

FNB's Doctor Loan explicitly includes CRNAs, one of the clearer regional acceptances for nurse anesthetists.

• Program structure: 0% down with no PMI up to roughly $1,000,000; higher tiers with a down payment; generally within ~10 years of training.
• Best for: CRNAs in PA, OH, WV, MD, and nearby states.
• Watch out for: Regional availability; NP acceptance is less clearly documented than CRNA — confirm if you're an NP.

4. Flagstar Bank

Flagstar's physician program is frequently cited as extending to CRNAs with meaningful financing capacity.

• Program structure: Reported 0% down up to $1,000,000 and 5% down up to $1,500,000 for qualifying borrowers; no PMI.
• Best for: CRNAs who want higher financing tiers at low down payment.
• Watch out for: Confirm current CRNA (and any NP) eligibility and state availability directly.

5. Premier Bank

Premier's Medical Professional Loan is cited as covering nurse anesthetists and certified nurse practitioners, among other allied professionals.

• Program structure: Low-down financing with no PMI up to program limits.
• Best for: CRNAs and NPs inside Premier's footprint.
• Watch out for: Regional footprint; confirm current terms and credential acceptance directly.

6. Navy Federal Credit Union

If you're eligible to join, Navy Federal's medical-professional program is broadly available and well regarded for advanced-practice nurses.

• Program structure: 100% financing up to $1,000,000; no PMI.
• Best for: CRNAs and NPs with Navy Federal membership eligibility.
• Watch out for: Membership requirements gate access — not everyone qualifies to join.

CRNA & NP Eligibility Comparison

Lender	CRNA / NP eligible	Max 0%-down financing	Student-loan DTI treatment
Laurel Road	CRNA + NP (listed)	Up to $1,000,000	IDR payment often used
Regions	CRNA + NP (listed)	Up to program limit	Program guidelines (confirm)
First National Bank PA	CRNA (listed); NP confirm	Up to $1,000,000	Program guidelines (confirm)
Flagstar	CRNA reported — confirm	Up to $1,000,000	Program guidelines (confirm)
Premier Bank	CRNA + NP reported	Up to program limit	Program guidelines (confirm)
Navy Federal	Broad — confirm	Up to $1,000,000	Program guidelines (confirm)

Financing tiers reflect program structure, not pricing. CRNA and NP eligibility is the narrowest we track — confirm current eligibility and terms directly before applying.

How CRNAs & NPs Qualify

The mechanics that make these programs valuable are the same as for physicians: 0% or low down payment, no PMI, and favorable student-loan treatment — deferred balances excluded or the documented IDR payment used instead of a percentage of the total balance. The difference for CRNAs and NPs is eligibility, not underwriting: fewer lenders extend the program to advanced-practice nurses, and some accept CRNAs but not NPs (or vice versa). The practical move is to confirm, in writing, that your specific credential is eligible in your state before you invest time in an application — and to keep a backup lender in mind, since coverage is thin.

Frequently Asked Questions

Can a CRNA get a physician mortgage loan?

Yes, at a limited set of lenders. Laurel Road, Regions, First National Bank of PA, Flagstar, Premier Bank, and Navy Federal are among the programs that extend to certified registered nurse anesthetists. Because acceptance is narrow, confirm current eligibility for your state directly before applying.

Are nurse practitioners eligible for physician mortgage programs?

Some programs accept nurse practitioners, but NP coverage is thinner than CRNA coverage, and a program that accepts one may not accept the other. Laurel Road and Regions are among those that list nurse practitioners. Always verify your specific credential is eligible before applying.

Do CRNA and NP home loans require a down payment?

Many eligible programs offer 0% down with no PMI up to a program limit, with 5%–10%-down tiers for higher loan amounts. The exact structure depends on the lender and loan size.

Related Reading

• Best Physician Mortgage Lenders in 2026: Complete Ranking — the full cross-profession ranking.
• CRNA Home Loans: Nurse Anesthetist Mortgage Guide — the deep-dive guide on how CRNA mortgages work.

Check Your CRNA or NP Mortgage Eligibility →

Tanner Cook | NMLS# 2090424 | Cook Brothers Mortgage Team | Cornerstone First Mortgage, NMLS# 173855

---

Disclosure: Lender programs, eligibility, and terms change frequently, and CRNA/NP eligibility varies more than physician eligibility. This information was accurate as of July 2026 but should be verified directly before making decisions. This is not a commitment to lend.