Physician Loans

Physician mortgages for doctors offer low down payment, no PMI, flexible debt-to-income, and streamlined documentation.

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Ready to Buy or Build Your Home?

Why Traditional Mortgages Don’t Work for Doctors

Medical school teaches you to help patients, not to navigate mortgage lending. And traditional mortgages aren’t designed for medical careers.

Here’s the problem:

  • Your income dramatically increases after training (residency → attending)
  • You have student debt
  • Your income might be from a contract that just started
  • You might be changing jobs or relocating for fellowship
  • Your career path doesn’t match standard W-2 documentation

Traditional banks can’t handle this complexity. Physician loans can.

20

+
Years of Experience
Guiding clients nationwide with fast, reliable lending solutions.

99.9

%
Approval Support
Tailored for construction, physician, and self-employed borrowers.

Flexible Repayment Options

Loans designed to fit your timeline and financial goals.

Physician Mortgage Options

Resident & Early-Career Physician Loans

For: Residents, fellows, and early-career physicians

Features:

  • No down payment required
  • No PMI
  • Seller concessions to 3%
  • No income restrictions
  • Purchase plus and extra credit discount eligible

Best For: Physicians in training who want to build equity while establishing their career

Book a Consultation

Established Physician Loans

For: Attending physicians with 1+ years established practice

Features:

  • 5% down to $1,500,000 loan
  • 10% down to $2,000,000 loan
  • Purchase and refinance options
  • No PMI

Best For: Physicians looking to move up and buy larger more expensive homes

Eligibility:

  • Open to MD, DO, DDS, OD, DP, PDM, and PharmD credentials
  • Fixed and adjustable rate options
Start Your Application

Physician Construction Loan

For: Medical professionals want to build the home of their dreams.

Features:

  • Convenient one-time closing
  • 12-month construction period with interest-only draws
  • Fixed and adjustable rate options available
  • Rate locked from the beginning, guaranteeing the lowest rate for the life of the loan.

Best For: Free interest rate float down option

Conditions: Reserve, Requirements, Apply

Start Your Application

Community Hero 100

For: Nurses, EMT, Veterinarians, Chiropractors, Physical Therapists, Occupational Therapists

Features:

  • $0 down to $832,750
  • Fixed and adjustable rate options
  • Rate discounts for auto pay
  • Receive a gift card up to $500

Best For: All of our community heroes looking to achieve the dream of home ownership

Start Your Application

How to Get Physician Pre-Approved

Initial Consultation

Meet with our physician loan specialist to discuss your career stage, down payment capacity, and home purchase timeline. We’ll outline your options and answer questions about programs, rates, and terms.

Home Search & Offer

With your pre-approval, you can make a confident offer. Our team stays available to answer underwriting questions from your real estate agent or title company.

Underwriting & Approval

We conduct full underwriting in-house. No delays. Clear answers throughout.

Physician Loan Eligibility

Who Can Benefit from
a Construction Loan

Medical Degree Types:

  • MD – Doctor of Medicine
  • DO – Doctor of Osteopathic Medicine
  • DDS – Doctor of Dental Surgery
  • OD – Doctor of Optometry
  • PharmD – Doctor of Pharmacy
  • DP – Doctor of Podiatry
  • DPM – Doctor of Podiatric Medicine.

Career Stages:

  • Medical residents and fellows
  • Physicians between training and employment
  • Established attending physicians
  • Physicians transitioning practices
  • Physicians relocating
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