The Best Physician Mortgage Guidance You Can Trust
We help physicians understand their loan options, compare trusted banks, and get connected with the programs that fit their career and goals.
Helped
1000s
of Physicians
Approved for $750,000
Dr. Ebony Williams, M.D.
Approved for $750,000
Dr. Ebony Williams, M.D.
Approved for $750,000
Dr. Ebony Williams, M.D.
As Seen On
As Seen On
Find a Physician Mortgage Loan in your State.
Physician loan availability varies by state. Select your state to view lenders and banker contacts.
Simple steps to finding the right lender
STEP 1:
Share your goals and timeline
Tell us where you’re headed and what stage of your medical career you’re in.
STEP2:
Connect with a local lender that offers exclusive physician mortgages
We introduce you to vetted banks offering competitive physician loan programs.
STEP 3:
Understand your options
You compare programs and move forward with the lender that fits your needs.
FAQs
FAQs
FAQs
Common Questions
What is a physician mortgage?
A physician mortgage is a home loan designed for doctors (often residents, fellows, attendings, dentists, and sometimes veterinarians) that’s built to handle common physician realities—high student loans, limited savings early on, and relocation timelines. The big goal is to reduce friction in underwriting and help you buy sooner with less stress.
Who typically qualifies for a physician mortgage?
Most programs are geared toward MD/DO physicians, residents, fellows, and attendings. Many also include dentists (DDS/DMD) and sometimes other advanced-degree medical professionals depending on the lender. Eligibility is lender-specific, but if you’re in training or a practicing physician, it’s worth checking.
How is a physician mortgage different from a conventional loan?
The difference is flexibility. Conventional loans are built for “standard” income and debt profiles. Physician mortgages are built for doctors—often allowing lower down payments, avoiding monthly mortgage insurance in many cases, and applying more reasonable approaches to student loan debt and future income scenarios.
Do physician mortgages require PMI (mortgage insurance)?
Often, no—especially compared to conventional loans with low down payments. Many physician mortgage programs offer low down payment options without monthly PMI, which can significantly reduce the monthly payment versus a standard conventional structure. Exact terms vary by lender and loan size.
How much down payment do I need?
Many physician mortgage programs offer options ranging from 0% to 5% down depending on loan amount, credit profile, and the lender’s specific tiers. Some require 10%+ for larger loan sizes. The best structure is the one that fits your cash reserves, timeline, and overall financial plan—not just the minimum down.
What is a physician mortgage?
A physician mortgage is a home loan designed for doctors (often residents, fellows, attendings, dentists, and sometimes veterinarians) that’s built to handle common physician realities—high student loans, limited savings early on, and relocation timelines. The big goal is to reduce friction in underwriting and help you buy sooner with less stress.
Who typically qualifies for a physician mortgage?
Most programs are geared toward MD/DO physicians, residents, fellows, and attendings. Many also include dentists (DDS/DMD) and sometimes other advanced-degree medical professionals depending on the lender. Eligibility is lender-specific, but if you’re in training or a practicing physician, it’s worth checking.
How is a physician mortgage different from a conventional loan?
The difference is flexibility. Conventional loans are built for “standard” income and debt profiles. Physician mortgages are built for doctors—often allowing lower down payments, avoiding monthly mortgage insurance in many cases, and applying more reasonable approaches to student loan debt and future income scenarios.
Do physician mortgages require PMI (mortgage insurance)?
Often, no—especially compared to conventional loans with low down payments. Many physician mortgage programs offer low down payment options without monthly PMI, which can significantly reduce the monthly payment versus a standard conventional structure. Exact terms vary by lender and loan size.
How much down payment do I need?
Many physician mortgage programs offer options ranging from 0% to 5% down depending on loan amount, credit profile, and the lender’s specific tiers. Some require 10%+ for larger loan sizes. The best structure is the one that fits your cash reserves, timeline, and overall financial plan—not just the minimum down.
What is a physician mortgage?
A physician mortgage is a home loan designed for doctors (often residents, fellows, attendings, dentists, and sometimes veterinarians) that’s built to handle common physician realities—high student loans, limited savings early on, and relocation timelines. The big goal is to reduce friction in underwriting and help you buy sooner with less stress.
Who typically qualifies for a physician mortgage?
Most programs are geared toward MD/DO physicians, residents, fellows, and attendings. Many also include dentists (DDS/DMD) and sometimes other advanced-degree medical professionals depending on the lender. Eligibility is lender-specific, but if you’re in training or a practicing physician, it’s worth checking.
How is a physician mortgage different from a conventional loan?
The difference is flexibility. Conventional loans are built for “standard” income and debt profiles. Physician mortgages are built for doctors—often allowing lower down payments, avoiding monthly mortgage insurance in many cases, and applying more reasonable approaches to student loan debt and future income scenarios.
Do physician mortgages require PMI (mortgage insurance)?
Often, no—especially compared to conventional loans with low down payments. Many physician mortgage programs offer low down payment options without monthly PMI, which can significantly reduce the monthly payment versus a standard conventional structure. Exact terms vary by lender and loan size.
How much down payment do I need?
Many physician mortgage programs offer options ranging from 0% to 5% down depending on loan amount, credit profile, and the lender’s specific tiers. Some require 10%+ for larger loan sizes. The best structure is the one that fits your cash reserves, timeline, and overall financial plan—not just the minimum down.
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Experience More Buying Power With Physician Mortgage Loans
Get started on looking for mortgage options today directly on our website. To learn more about our physician mortgage loans, contact our office.
Experience More Buying Power With Physician Mortgage Loans
Get started on looking for mortgage options today directly on our website. To learn more about our physician mortgage loans, contact our office.
Experience More Buying Power With Physician Mortgage Loans
Get started on looking for mortgage options today directly on our website. To learn more about our physician mortgage loans, contact our office.