Professional Mortgage Loans
You’ve invested in your career—now let us invest in your future. Our mortgage is designed to make homeownership more accessible for licensed professionals.
Apply NowBenefits of an Argent Professional Mortgage Loan
As Low As 5% Down
Get into your home sooner with a low down payment.
No PMI Required
Financing with no private mortgage insurance.
Generous Loans
Buy the property you want with loans up to 1 million.
Great Rates
Enjoy no rate changes for 10 years with our 5/5 ARM.
What You Need to Know About Professional Mortgage Loans
At Argent, we recognize the years of dedication it takes to become a licensed professional. That’s why we’ve designed a mortgage to help you put down roots—with flexible terms, a low down payment, and no private mortgage insurance.
Our Professional Mortgage Loan features a 5/5 Adjustable-Rate Mortgage (ARM), which keeps your rate locked for the first five years and adjusts only once every five years after that, offering long-term stability and peace of mind.
Key Features:
- Up to 95% financing on homes up to $1 million
- No private mortgage insurance (PMI) required
- Student loan debt excluded from financing decisions
- Flexible terms up to 30 years
Ready to enjoy the benefits of a mortgage built with your future in mind?
Professional Mortgage Loan Rates
Our Professional Mortgage Loan Application Process Is Simple and Secure!
Fill Out Our Easy Online Application
Get your documents ready then enter your details into our user-friendly online portal.
Quick Review
A mortgage loan officer will let you know if you’re eligible for pre-approval by the next business day.
Look for a Home!
Once pre-approved, you can start making offers and we’ll guide you all the way through to closing.
“Argent is the best credit union I’ve ever been with. Thank you
guys for being consistent, friendly, timely and helpful.”
– Morgan M. Chester, VA
“The customer service is OUTSTANDING! All representatives are eager to assist you in your every need. I am 110% satisfied with the personnel, the bank, and the services provided.”
– Leon W. Chesterfield, VA
FAQs About Professional Mortgages
Who qualifies for a Professional Mortgage Loan?
Licensed and employed professionals in the fields of medicine, dentistry, law, finance, engineering, or scientific research may qualify.
Are student loans counted toward my debt-to-income ratio?
No, student loan debt is not considered in loan underwriting decisions for Professional Mortgage Loans.
What is the required credit score to qualify?
A minimum credit score of 720 is required to qualify for a Professional Mortgage Loan.
Are there any income limits for this loan?
No income limits apply to this loan, but you must be currently employed in a qualifying profession.
Do I need to become a member at Argent to get a Professional Mortgage Loan?
Yes, you do need to become a member, and we can help you join as part of your home loan application. Membership eligibility is open to individuals living, working, attending school, worshiping, or volunteering in the following counties:
- Chesterfield
- Henrico
- Hanover
- The City of Richmond
Membership is also available to family members or housemates who meet the above criteria. To be eligible, members must be at least 18 years of age and be a U.S. citizen or resident alien.
Get Prequalified
Mortgage Resources
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1APR = Annual Percentage Rate. This interest rate is current as of 08/13/25.
*5/5 ARM & Professional Mortgage Loan Payment Examples
Fixed 6.125% / 6.312% APR for the first five years. No Private Mortgage Insurance. Up to 80% LTV for purchases. Maximum loan amount is $1,000,000. After the five-year fixed-rate period, your interest rate is subject to change – up or down according to market rates at the time of reset and each five years thereafter. Offer applies to borrowers with a credit score of 780 or better depending on credit qualifications. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30-year, $200,000, 5-year Adjustable-Rate Loan at 6.125% / 6.312% APR and 80% loan-to-value (LTV) is $1,215.22. Rate is variable and can increase by no more than 2% every 5 years with a lifetime maximum adjustment of 6%. Since the index in the future is unknown, the First Adjustment Payment is based on the current index plus a margin (fully indexed rate) as of the date above. After 5 years, the maximum payment is $1,454.09. Property insurance and, if applicable, flood insurance is required. These payments do not include taxes and insurance premiums. The actual payments will be greater and rates provided are based on current market rates and are informational only. Payments are estimates and include only principal and interest. Some restrictions may apply. This rate is applicable for owner-occupied purchase of a single-family dwelling.
Your actual rate and APR are dependent upon your application and may vary based on factors such as your credit score, loan purpose, occupancy, property type, loan amount, and the value of your home. Interest rate and APR are subject to change without prior notice.
