Mortgages built for doctors and medical professionals.
You spent a decade in training. Your mortgage shouldn't treat you like a brand-new borrower.
Physician loan programs recognize what you already know: your earning trajectory is exceptional. That means little or no down payment, no PMI, and smart treatment of student debt and future employment contracts.
- Eligible: MD, DO, DDS, DMD, DVM, OD, DPM, CRNA, NP, PA (varies by lender).
- 0% down up to $1M, 5% down up to $1.5M, 10% down up to $2M.
- No private mortgage insurance — saves $200-$600/month.
- Residents, fellows, and attendings all eligible.
- Jumbo physician loans available for high-cost markets.
Up to $1M+ loans with no PMI, even with minimal down payment.
IBR/PAYE payments used — not 1% of balance — so you actually qualify.
Close up to 90 days before your start date with a signed employment contract.
Good to know
No. Most programs accept residents and fellows, often with a signed contract for an upcoming role.
We use your actual IBR or PAYE payment, not 1% of the balance — a game-changer for qualifying.
Physician loans are for primary residences. Investor programs are a separate conversation we're happy to have.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.