Physician Mortgage Lenders in Florida
Florida's massive healthcare industry—spanning Miami, Tampa, Orlando, Jacksonville, and beyond—creates tremendous opportunities for physicians. Florida physician mortgage programs help doctors navigate the state's diverse real estate markets with 0% down payment options, no PMI, and terms designed for medical professionals at every career stage.
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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First National Bank of Pennsylvania (FNB) is a regional banking institution offering a physician-focused mortgage program designed to help medical professionals purchase or refinance with low to no down payment and flexible product options. This program is featured through White Coat Investor’s partner network and is structured to accommodate high-earning professionals early in their careers.
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Lake Michigan Credit Union (LMCU) is a member-owned financial institution headquartered in Grand Rapids, Michigan. With roots dating back to 1933, LMCU is one of the largest credit unions in Michigan and serves members in multiple states. Its physician mortgage program is designed to offer tailored financing solutions for medical professionals purchasing a primary residence. LMCU services its own mortgages for the lifetime of the loan, meaning borrowers typically maintain a single point of contact throughout the life of their mortgage.
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TD Bank Medical Professional Mortgage is a home buying program with specific benefits designed to help physicians, surgeons, dentists, residents and fellows who are new to the medical field purchase a home. At TD Bank, we recognize the different stages of a medical career and the challenges presented, such as managing student loan debt.
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Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank®, and an affiliate of Wintrust Financial Corporation.
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Lenders
Fifth Third Bank offers flexible lending solutions for physicians and high-income professionals by evaluating each client’s full financial picture and tailoring loan options to fit their goals. The bank supports a wide range of purchase, refinance, and construction scenarios, making it a strong option for borrowers with complex income or property needs.
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First Citizens Bank offers a specialized Medical Mortgage program designed to support physicians and healthcare professionals through every stage of their careers. Through its partnership with White Coat Investor, First Citizens provides flexible underwriting, high loan limits, and low-down-payment options to help medical borrowers purchase or build their homes while preserving cash.
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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.