Darick Hensel: Physician Mortgages with Regional Provider
Jessica Hegge
TLDR
Darick Hensel (NMLS 1177936) is a physician mortgage specialist with Regional Provider, with 20 years of mortgage experience and seven focused on physician loans.
The program offers no PMI at any LTV tier, up to 100% financing, very flexible student-loan underwriting, and no training-lookback limit.
Darick serves physicians across 11 states.
Darick Hensel (NMLS 1177936) brings 20 years of mortgage experience — including seven years focused specifically on physician mortgages — to every consultation. That focus is personal: Darick is married to a general surgeon, so he understands a physician's financial timeline first-hand. He now helps doctors nationwide through Regional Provider.
Who Darick Hensel works with
Darick Hensel serves Arizona, California, Florida, Iowa, Illinois, Indiana, Michigan, Minnesota, Montana, North Dakota and Wisconsin, working with residents, fellows, and attendings across a broad range of physician and allied-health designations.
The Regional Provider physician program
The Regional Provider program is built for doctors:
No PMI at any LTV tier
Up to 100% financing to $1,250,000; 95% to $1,500,000; 90% to $2,000,000
Very flexible student-loan underwriting and no training-lookback limit
Warrantable and non-warrantable condos; support for residents, fellows, and attendings
Why work with a specialist
Offering physician mortgages and specializing in them are not the same thing. A specialist already knows how underwriting treats student loans, future income, and contract-based pay — which prevents avoidable delays. For the fundamentals, see our guide to how physician mortgages work.
Get connected with Darick Hensel
Financing a home in Arizona, California, Florida, Iowa, Illinois, Indiana, Michigan, Minnesota, Montana, North Dakota and Wisconsin? Get matched and Dr. Home Finance will connect you.
Frequently Asked Questions
Which states does Darick Hensel serve?
Darick serves physicians across 11 states: Arizona, California, Florida, Iowa, Illinois, Indiana, Michigan, Minnesota, Montana, North Dakota, and Wisconsin.
What does the Regional Provider physician program offer?
No PMI at any LTV tier, up to 100% financing (up to $1,250,000; 95% up to $1,500,000), very flexible student-loan underwriting, no training-lookback limit, and warrantable and non-warrantable condos.
Does Darick work with residents and fellows?
Yes — the program supports residents, fellows, and established physicians, and can qualify borrowers on future income.
Dr. Home Finance is an educational and lender-matching resource and is not a mortgage lender. Loan programs, rates, and terms vary by borrower, bank, and state and are subject to change. Nothing here is an offer to lend.
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