Physician Mortgage Lenders in Colorado
Colorado physicians relocating to Denver, Boulder, Colorado Springs, or mountain communities need mortgage solutions that match the state's competitive housing market. Colorado physician mortgage lenders specialize in helping doctors secure financing with no PMI and flexible terms—whether you're joining UCHealth, SCL Health, or a specialty practice.
Premier Lenders
Alliant Credit Union offers an industry-leading Medical Professional Loan Program designed to support physicians and medical professionals through career transitions, relocations, and early earning years. The program is available nationwide (except Maryland) and is known for its high loan limits, flexible student loan treatment, and no private mortgage insurance.
Alliant treats its physician loan as a core lending product, allowing for consistent underwriting, conforming and non-conforming options, and flexible qualification for both new and established medical professionals.
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Bank of Texas offers a medical professional mortgage program designed to support physicians and eligible healthcare professionals with low down payment options, flexible underwriting, and competitive rate structures.
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Primis Mortgage Company is a subsidiary of Primis Bank, a Member FDIC institution. Its Doctor Loan is built for medical professionals who carry significant student debt but have strong earning potential — qualifying borrowers on expected income rather than current debt-to-income alone. The program offers up to 100% financing with no private mortgage insurance, making it a strong option for physicians who want low upfront costs early in their careers.
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Lenders
BMO Bank offers a physician and dentist mortgage program designed to support medical professionals through career transitions, relocations, and early practice years. The program is supported by loan officers who specialize in physician lending and have extensive experience working specifically with doctors and dentists.
BMO treats its physician loan as a core relationship product, allowing for flexible underwriting, high loan limits, and alternative income qualification for both W2 and select 1099 physicians.
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First Citizens Bank offers a physician mortgage program designed for medical professionals seeking flexible, high-balance financing with no private mortgage insurance. The program supports both early-career and established physicians and allows for alternative treatment of student loan debt, future employment income, and tiered down payment structures for higher loan amounts.
This program is built to accommodate doctors purchasing or refinancing primary or secondary homes, as well as those building new homes through construction-to-permanent financing.
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Flagstar Bank is historically one of the largest lenders in the United States, ranking among the top 10 nationally for residential mortgage origination. Flagstar is licensed to lend in every state and offers relationship pricing for Private Clients with loan amounts up to $10 million. The bank provides flexible professional mortgage programs designed for doctors, attorneys, certified public accountants, and other qualifying professionals seeking low down payment and competitive rate options.
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Genisys Credit Union offers custom-tailored physician mortgages with loan amounts up to $5,000,000. The program uses a common-sense underwriting approach based on the borrower’s demonstrated ability to repay. Genisys is a full-service financial institution offering deposit, auto, and mortgage products, with a specialty in high-end mortgage lending.
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Physician Mortgages in Colorado: A Doctor's Research Guide
Colorado draws physicians who want strong academic medicine and an outdoor lifestyle, from the competitive Denver metro to Boulder, Colorado Springs, and Fort Collins. With many doctors relocating here for the quality of life, a well-planned home purchase starts with understanding the financing built for medical careers.
DRHF is not a lender, we're a research and matching service that connects doctors and medical professionals with banks that have built mortgage programs specifically for physicians. The rates, limits, and terms below come from those lenders — not from us — and are subject to each lender's approval.
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What makes a physician mortgage different
Physician programs ("doctor loans") are designed around the financial shape of a medical career. Compared with a conventional loan, the banks in our network commonly offer:
Low or no down payment, with some lenders financing up to 100% (varies by lender and degree)
No private mortgage insurance (PMI), even with less than 20% down
Student-loan-friendly underwriting, often using income-based payments rather than the full balance
Qualifying on a signed employment contract, before your first paycheck
The lenders shown above offer physician programs in Colorado — compare all lenders or get matched.
What's different about buying in Colorado
Major metros: Denver anchors a competitive housing market, with Boulder, Colorado Springs, and Fort Collins as notable secondary markets.
Major health systems: UCHealth, Children's Hospital Colorado, CommonSpirit/Centura, Denver Health, and National Jewish Health are among the largest physician employers in the state.
Relocation demand: Colorado's lifestyle appeal keeps the Denver-area market competitive, so being pre-approved before you shop can strengthen your offer.
Taxes and costs: Colorado's housing costs run higher in and around Denver and Boulder; budgeting for the full payment matters in these markets.
Budgeting: Factor property taxes, HOA dues, and any mountain-area considerations into your monthly number with our mortgage calculator.
Who qualifies in Colorado
Most physician programs are open to MD, DO, DDS/DMD, and DPM — and some extend to DVM and other advanced degrees — at the resident, fellow, and attending stages. Eligibility and terms vary by lender. Learn how physician loans work and which degrees qualify.
How Dr. Home Finance helps Colorado doctors
We give you the research to understand your options and match you with a banker whose physician program fits your situation — at no cost and no obligation. You can also contact a banker directly. We never lend and never steer you to a specific rate; we help you compare and connect. Start your match →
Colorado physician mortgage FAQ
Do doctors get better mortgage rates in Colorado?
Not automatically. The advantage is usually in the terms — no PMI, low or no down payment, and student-debt-friendly underwriting — more than a guaranteed lower rate. Rates vary by lender and profile, which is why comparing matters.
How do physician mortgage loans work?
A bank with a physician program lets eligible doctors finance a home with little or no money down and without PMI, often qualifying you on a signed contract and income-based student-loan payments. You're matched with a lender, get pre-approved, and shop with confidence.
Are physician loans 0% down in Colorado?
Some lenders offer up to 100% financing for eligible physicians; others ask for a small down payment. It depends on the lender, your degree, and the loan amount.
Who qualifies for a physician mortgage in Colorado?
Generally MD, DO, DDS/DMD, and DPM physicians — residents, fellows, and attendings — with some lenders including additional degrees. Each lender sets its own rules.
Can Colorado residents and fellows buy before they start work?
Often, yes — many programs let you close using a signed employment contract shortly before your start date. Common for doctors relocating to Colorado for residency or a new position.
Compare Colorado physician-mortgage lenders and get matched →
Reviewed by Jessica Hegge, Partner at Dr. Home Finance. Dr. Home Finance is a research and matching service, not a lender or broker; all loan terms are provided by third-party lenders and subject to their approval. Equal Housing Opportunity.