Best Physician Mortgage Loans in Georgia: 2025 Guide
February 20, 2025
TLDR
Georgia has a competitive physician mortgage market, which is good news if you’re buying in places like Atlanta, Augusta, or Savannah. A doctor loan can help you get into a home with 0–5% down, no PMI, higher loan limits, and more flexible treatment of student loans—so you can preserve cash while still qualifying confidently.
The article highlights four lender options worth comparing: SouthState Bank, Truist Financial, BMO Bank, and Atlantic Union Bank. When you shop these programs, focus on loan limits, 0% down tiers, rate vs. APR, and the lender’s physician-loan experience—because the right program should feel streamlined, not like another residency rotation.
The Competitive Physician Mortgage Market in Georgia
With major medical hubs in Atlanta, Augusta, and Savannah, Georgia is a strong market for physician mortgage programs. Banks want physician clients—and that competition can work in your favor through better terms, stronger service, and more flexible underwriting.
The lenders below are commonly considered top options in Georgia based on physician-loan experience, competitive structures, and consistent client satisfaction.
Top Physician Mortgage Lenders in Georgia
1. SouthState Bank Physician Loan Program
Eligibility: MD, DO, DDS, DMD, Residents, Fellows, DVM, OD, DPM
Loan Amount: Zero down to $1M, 5% down to $1.5M, and 10% down up to $2.0M
Down Payment: 0% for eligible loan amounts
PMI: Not required
Pros: High loan limits, strong physician lending fit
Cons: May have stricter credit requirements
2. Truist Bank Physician Mortgage Loan
Eligibility: MD, DO, DDS, DMD, Residents, Fellows
Loan Amount: Up to $2 million
Down Payment: 0% for loans up to $750,000
PMI: Not required
Pros: 100% financing available, favorable student loan treatment
Cons: May require a strong credit profile
3. BMO Bank Physician Loan Program
Eligibility: MD, DO, DDS, DMD, Residents, Fellows
Loan Amount: Up to $2 million
Down Payment: 0% for certain loan sizes
PMI: Not required
Pros: Competitive rates, strong focus on medical professionals
Cons: Some states require an established relationship (often ~6 months)
4. Atlantic Union Bank Physician Mortgage Program
Eligibility: Physician and dentist profiles typically supported (varies by program and region)
Loan Amount: Varies by borrower profile and market
Down Payment: Often low down payment options depending on tier
PMI: Commonly waived on physician-focused programs (confirm by tier)
Pros: Physician-friendly structure, often competitive in banking footprint markets
Cons: Program details can be market-specific—terms may vary by location and borrower profile
How to Select the Right Physician Mortgage in Georgia
When you’re comparing physician mortgage lenders, keep it simple and focus on what impacts you most:
Loan limits: Make sure the program supports your target price point.
Down payment tiers: If 0% down matters, confirm the exact cutoff and tiers.
Rate and APR: Compare both—APR helps reveal fee differences.
Customer service: A physician loan should feel streamlined, not like a second job.
Residency status: Some programs limit eligibility based on how long you’ve been out of training.
Final Thoughts
For physicians in Georgia, a physician mortgage is often the strongest financing tool on the table: no PMI, flexible underwriting, and higher loan limits built around how doctors actually get paid and progress in their careers. The bigger risk is working with someone who doesn’t understand physician lending and pushes you toward FHA or generic first-time buyer options that add unnecessary costs.
If you’re ready to explore your best-fit options, connect with one of the lenders above—or talk with a physician-mortgage specialist who can help you compare programs side-by-side.
Need expert guidance on physician mortgages? Visit drhomefinance.com for personalized mortgage solutions tailored to physicians.
